Savings account · ATB Financial
ATB Climber Savings Account: fees and true cost
ATB Financial’s ATB Climber Savings Account lists 0.3% interest and no monthly fee. On $10,000 that’s about $30 a year before tax, at the posted rate.
Gov’t guaranteeOffered in AB
Fees retrieved November 1, 2026
Mitey reads ATB Financial’s ATB Climber Savings Account rate sheet: $30 a year on $10,000.
What interest does ATB Climber Savings Account from ATB Financial pay?
ATB Climber Savings Account lists 0.3% interest with FCAC. On $10,000 that is about $30 a year before tax, with no monthly fee, #24 of 39 savings accounts offered in Alberta by interest after fees. Deposits are guaranteed by the Alberta government. Rates as listed on November 1, 2026; promotional rates may differ.
Is ATB Climber Savings Account the best place for savings?
- Versus the top posted rate: on $10,000, 30 Day Notice Savings Account (EQ Bank, 3%) would pay about $270 more a year after fees.
- Or lock it in: a 1-year GIC at 3.75% (Oaken Financial, posted November 2, 2026) would earn $375 on $10,000, against $30 here — but the money is locked in for the year.
Interest at different balances
| Balance | Rate | Interest a year |
|---|---|---|
| $1,000 | 0.3% | $3 |
| $10,000 | 0.3% | $30 |
| $50,000 | 0.3% | $150 |
| Balance | Rate (annual) |
|---|---|
| $0 and up | 0.3% |
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | No monthly fee |
| Included transactions | 1 a month |
| Debit purchase in Canada (beyond included) | $5.00 |
| Online or mobile bill payment | Not available |
| Interac e-Transfer | $1.50 |
| Online transfer between your accounts | $5.00 |
| Own-bank ATM withdrawal | $5.00 |
| Withdrawal at another institution’s ATM | $7.00 |
| ATM withdrawal in the United States | $10.00 |
| ATM withdrawal in other countries | $10.00 |
| Debit purchase in the United States | $5.00 |
| In-branch withdrawal | $5.00 |
| Bill payment in branch | Not available |
| Cheque (as a payment) | Not available |
| Mailed monthly statement | $2.00 |
| Non-sufficient funds (NSF) | Not stated |
| Overdraft protection, monthly | Not stated |
| Overdraft protection, per use | Not stated |
| Overdraft interest | Not stated |
Notes from the institution
Base rate: 0.30% Premium period 0-29 days: 0.00% 30-89 days: 0.20% 90-179 days: 0.25% 180-269 days: 0.40% 270-359 days: 0.50% 360 days and over: 0.60% FCAC retrieved information for this account from publicly available information on the financial institution's website. Product features, fees, rates and eligibility requirements may change. Please verify current account details directly with the financial institution.
Is the money protected?
Alberta government guarantee.
Other savings accounts at ATB Financial
- Springboard Savings Account — 0.2%–0.6% (tiered) interest
Source: FCAC Account Comparison Tool (data submitted by the institution), retrieved November 1, 2026 · ATB Financial’s product page
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