Bank Accounts
Alterna Bank: accounts and charges
13 accounts captured from Alterna Bank's own published pages and fee schedules, captured 2026-11-15. Charges are printed exactly as published.
No-Fee eChequing Account
Type: chequing
| Monthly fee | Free |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Unlimited |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Free, unlimited Interac e-Transfers |
| NSF fee | $50.00 |
| Overdraft | Overdraft protection $2.50/month, annual interest rate 19.99% |
| ATM fees | Interac ATM withdrawals $1.90; ACCEL/Cirrus/Maestro US ATM withdrawals $3.00; Cirrus/Maestro International ATM withdrawals $5.00 |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Fees from Alterna Bank Personal fee brochure (alternabank.ca/media/wzhe3sx1/alterna-bank-fee-brochure_personal.pdf, effective December 1, 2025, fetched in full): eCHEQUING Monthly Fee Free, Day-to-day transactions Unlimited, Interac ATM withdrawals $1.90, NSF Item $50.00, Overdraft protection $2.50/month. Product page states overdraft limits $500 to $5,000, fee not applicable to Quebec residents, and that included transactions include Alterna and THE EXCHANGE Network ATM withdrawals and transfers, Interac e-Transfers, bill payments, cheques, pre-authorized payments and POS. The interest rate table was not present in the text extraction of Alterna Bank's own product page, so interest_rate is null (not taken from third parties). No in-branch access for eAccounts.
Source: https://www.alternabank.ca/en/personal/accounts/no-fee-echequing | Captured 2026-11-15
High Interest eSavings Account
Type: hisa
| Monthly fee | Free |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Unlimited |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Free, unlimited Interac e-Transfers |
| NSF fee | $50.00 |
| Overdraft | Not in the published capture |
| ATM fees | Interac ATM withdrawals $1.90 |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | 1.05% |
Rate and features from Alterna Bank's own apply site (fetched in full): 'Interest rate: 1.05%*', no monthly fee, no minimum balance required, 'Free, unlimited Bill Payment, Transfers & PADs', 'Free, unlimited Interac e-Transfers', maximum balance per customer $250,000 (plus accrued interest). Fee brochure lists HIGH INTEREST eSAVINGS Monthly Fee Free and Day-to-day transactions Unlimited1,3, with footnote 3: no cheque writing or debit card use on this account. NSF $50.00 is the brochure's general NSF Item fee. Cheques and Visa Debit payments are not permitted on eSavings per the apply page.
Source: https://apply.alternabank.ca/?lng=en-CA | Captured 2026-11-15
TFSA eSavings Account
Type: savings
| Monthly fee | Not in the published capture |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Not in the published capture |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | $50.00 |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Listed on Alterna Bank's accounts page and apply site (eSavings, eChequing, RRSP eSavings, TFSA eSavings are the four online products named on apply.alternabank.ca). Its individual rate and monthly fee were in a tab/section that did not appear in the text extraction of the pages reached, so those fields are null rather than assumed from the High Interest eSavings account. NSF $50.00 is the bank's general NSF Item fee from its Personal fee brochure effective December 1, 2025.
Source: https://www.alternabank.ca/en/personal/accounts | Captured 2026-11-15
RRSP eSavings Account
Type: savings
| Monthly fee | Not in the published capture |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Not in the published capture |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | $50.00 |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Listed on Alterna Bank's accounts page and apply site. Its individual rate and monthly fee were in a tab/section that did not appear in the text extraction of the pages reached, so those fields are null rather than assumed from the High Interest eSavings account. NSF $50.00 is the bank's general NSF Item fee from its Personal fee brochure effective December 1, 2025. Brochure also lists RSP Withdrawal $25.00 and Transfer of a registered plan to another institution $125.00.
Source: https://www.alternabank.ca/en/personal/accounts | Captured 2026-11-15
Basic Chequing
Type: chequing
| Monthly fee | $4.00 |
|---|---|
| Fee waiver minimum balance | $1,000 |
| Included transactions | 20 |
| Excess transaction fee | $0.80 |
| Interac e-Transfer fee | $0.80 |
| NSF fee | $50.00 |
| Overdraft | Overdraft protection $2.50/month |
| ATM fees | Interac ATM withdrawals $1.90; US ATM withdrawals $3.00; International ATM withdrawals $5.00 |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Full Service Account Package Fees, Personal Chequing, fee brochure effective December 1, 2025 (fetched in full). Monthly Fee $4.00 (Free for eligible groups; seniors Free). Footnote 9: 'You won't be charged a monthly fee if you keep a minimum daily closing balance of $1,000 in your account throughout the entire month.' Excess/day-to-day fees from brochure Additional Services: In-branch withdrawal/transfer $0.80, Cheque writing $0.80, PAP/PAD $0.80, Bill Payment $0.80, Interac Debit (POS) $0.80, Send Interac e-Transfer $0.80; these apply to transactions in excess of monthly package limits.
Source: https://www.alternabank.ca/media/wzhe3sx1/alterna-bank-fee-brochure_personal.pdf | Captured 2026-11-15
Value Chequing
Type: chequing
| Monthly fee | $9.00 |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 35 |
| Excess transaction fee | $0.80 |
| Interac e-Transfer fee | $0.80 |
| NSF fee | $50.00 |
| Overdraft | Overdraft protection $2.50/month |
| ATM fees | Interac ATM withdrawals $1.90; US ATM withdrawals $3.00; International ATM withdrawals $5.00 |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Full Service Personal Chequing, fee brochure effective December 1, 2025. Seniors monthly fee $4.50. Excess day-to-day transaction fees are the brochure's $0.80 Additional Services list, which applies to transactions in excess of monthly package limits.
Source: https://www.alternabank.ca/media/wzhe3sx1/alterna-bank-fee-brochure_personal.pdf | Captured 2026-11-15
Unlimited Chequing
Type: chequing
| Monthly fee | $16.00 |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Unlimited |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | $50.00 |
| Overdraft | Overdraft protection $2.50/month |
| ATM fees | Interac ATM withdrawals: 2 per month, $1.90 each after; US ATM withdrawals $3.00; International ATM withdrawals $5.00 |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Full Service Personal Chequing, fee brochure effective December 1, 2025. Seniors monthly fee $8.00. Includes 1 Free Official Cheque per month ($7.50 each after) per brochure table.
Source: https://www.alternabank.ca/media/wzhe3sx1/alterna-bank-fee-brochure_personal.pdf | Captured 2026-11-15
Pay As You Go Chequing
Type: chequing
| Monthly fee | Free |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Pay per use |
| Excess transaction fee | $0.80 |
| Interac e-Transfer fee | $0.80 |
| NSF fee | $50.00 |
| Overdraft | Overdraft protection $2.50/month |
| ATM fees | Interac ATM withdrawals $1.90; US ATM withdrawals $3.00; International ATM withdrawals $5.00 |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Full Service Personal Chequing, fee brochure effective December 1, 2025. Day-to-day transactions are Pay per use at the brochure's $0.80 Additional Services rates (in-branch withdrawal/transfer, cheque writing, PAP/PAD, bill payment, Interac Debit POS, Send Interac e-Transfer each $0.80; Receive Interac e-Transfer Free).
Source: https://www.alternabank.ca/media/wzhe3sx1/alterna-bank-fee-brochure_personal.pdf | Captured 2026-11-15
U.S. Chequing
Type: chequing
| Monthly fee | Free |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 2 |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | $50.00 |
| Overdraft | Overdraft protection $2.50/month |
| ATM fees | N/A (Interac ATM withdrawals column) |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Full Service Personal Chequing for US travel or US dollar purchases, fee brochure effective December 1, 2025. Table shows 2 day-to-day transactions (footnote 10: after first two, additional day-to-day transaction fees are waived if a minimum daily closing balance of $1,000 is maintained throughout the month) and 1 Free Official Cheque per month, $7.50 each after. All fees are charged in the currency of the account per the brochure. Excess transaction charge beyond that footnote was not separately stated in the extraction, so it is null.
Source: https://www.alternabank.ca/media/wzhe3sx1/alterna-bank-fee-brochure_personal.pdf | Captured 2026-11-15
Daily Interest Savings
Type: savings
| Monthly fee | Free |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 2 Free |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | $0.80 |
| NSF fee | $50.00 |
| Overdraft | Not in the published capture |
| ATM fees | Interac ATM withdrawals $1.90; US ATM withdrawals $3.00; International ATM withdrawals $5.00 |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Full Service Personal Savings and Other Accounts, fee brochure effective December 1, 2025. Monthly Fee Free. The brochure's excess charge for this column was not unambiguously assignable in the PDF text extraction (the $2.50-each-after figure appears in this savings table), so excess_transaction_fee is null rather than guessed. Send Interac e-Transfer $0.80 is the brochure's general day-to-day rate. No interest rate is published in the fee brochure, so interest_rate is null.
Source: https://www.alternabank.ca/media/wzhe3sx1/alterna-bank-fee-brochure_personal.pdf | Captured 2026-11-15
Investment Savings
Type: savings
| Monthly fee | Free |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 1 Free per month |
| Excess transaction fee | $2.50 each after |
| Interac e-Transfer fee | $0.80 |
| NSF fee | $50.00 |
| Overdraft | Not in the published capture |
| ATM fees | Interac ATM withdrawals $1.90; US ATM withdrawals $3.00; International ATM withdrawals $5.00 |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Full Service Personal Savings and Other Accounts, fee brochure effective December 1, 2025, described as 'Higher interest'. Monthly Fee Free. Table entry as extracted: '1 Free per month, $2.50 each after'. No interest rate is published in the fee brochure, so interest_rate is null.
Source: https://www.alternabank.ca/media/wzhe3sx1/alterna-bank-fee-brochure_personal.pdf | Captured 2026-11-15
Youth Start Chequing
Type: chequing
| Monthly fee | Free |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 30 |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | $50.00 |
| Overdraft | Not in the published capture |
| ATM fees | Interac ATM withdrawals $1.90 |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Full Service Personal Savings and Other Accounts table, fee brochure effective December 1, 2025: 'Age 18 and under', Monthly Fee Free, 30 day-to-day transactions. Excess charge was not separately stated for this column in the extraction, so it is null.
Source: https://www.alternabank.ca/media/wzhe3sx1/alterna-bank-fee-brochure_personal.pdf | Captured 2026-11-15
Student Life Chequing
Type: chequing
| Monthly fee | Free |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Unlimited |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | $50.00 |
| Overdraft | Not in the published capture |
| ATM fees | Interac ATM withdrawals: 2 per month, $1.90 each after |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Full Service Personal Savings and Other Accounts table, fee brochure effective December 1, 2025: postsecondary student package, Monthly Fee Free, Unlimited day-to-day transactions. Eligibility footnote: proof of continued post-secondary enrolment must be provided by each account anniversary or the account may be switched to the Basic package.
Source: https://www.alternabank.ca/media/wzhe3sx1/alterna-bank-fee-brochure_personal.pdf | Captured 2026-11-15