Seniors accounts
Reliable banking that grows with you
You’ve earned a little more ease, and our banking services for seniors are here to support your next chapter.
More comfort in every account
Once you turn 60, we’ll automatically upgrade you to our seniors accounts, giving you added value and flexibility — just for being you.
Pay As You GoÂ
No monthly fee. Only pay for what you use, when you use it — simple, flexible, and convenient.
$0/month
- $0 per bill payment or transfer
- $0.50 per debit card transaction
- $1 per in-branch withdrawal, cheque, or pre-authorized debit
- $1.50 per Interac e‑Transfer®
Premiumfor seniors (60+)
Best for everyday banking. Unlimited transactions and 10 free Interac e‑Transfers® each month.
$0 or just $6.98/month
- Unlimited transactions
- 10 free Interac e‑Transfers® per month ($1.50 each thereafter)
- Free overdraft protection plus reduced overdraft interest
- Up to $60 annual rebate on your Creative Arts Financial Visa*
No monthly fee when you maintain a minimum daily balance of $4,000 or minimum monthly payroll/pension direct deposit of $1,000
Premium Unlimitedfor seniors (60+)
Unlimited transactions and Interac e‑Transfers®, plus free exclusive access to the Benefits1 Bundle.
$0 or just $9.98/month
- Unlimited transactions
- Unlimited Interac e‑Transfers®
- Free overdraft protection plus reduced overdraft interest
- Up to $75 annual rebate on your Creative Arts Financial Visa*
- Unlimited bank drafts, one order of 100 cheques per year, 15% off safe deposit box rental
- Free, unlimited access to legal, estate, identity theft, and home referral assistance through our Benefits1 Bundle
No monthly fee when you maintain a minimum daily balance of $6,000 or monthly payroll/pension direct deposit of $2,500
Daily Interest Savings
For everyday savers who want easy access to their money.
Up to 0.05%Â interest
- No monthly fees
- No minimum balance
- Unlimited free deposits
- Interest calculated daily and paid at the end of each month
- Two free debits per month, unlimited with a $3,000 minimum balance
- Free eStatements through online and mobile banking
High Interest eSavings
For savers looking to maximize growth with premium rates.
Up to 0.80%Â interest
- No monthly fees
- No minimum balance
- Unlimited free deposits
- Bigger balance, higher rate
- Interest calculated daily and paid at the end of each month
- Two free electronic debits per month, in-branch transactions available for a fee
- Free eStatements through online and mobile banking
Investment Savings
For long-term savers building towards bigger goals.
Up to 3.20%Â interest
- No monthly fees
- No minimum balance
- Unlimited free deposits
- Tax-free savings options
- Interest calculated daily and paid at the end of each month
- One free debit per month
- Free eStatements through online and mobile banking
Everyday essentials
Seniors accounts are designed to simplify your everyday banking with features built for your comfort and convenience.
Online banking
Access accounts, pay bills, and manage money with online banking or our mobile app.
Surcharge-free ATMs
Get cash at thousands of ATMs across Canada (THE EXCHANGE Network®) and the U.S. (Allpoint).
Debit card
Shop anywhere in Canada or abroad with the Creative Arts Financial Debit Mastercard®.
Deposit insurance
Eligible deposits are insured up to $250,000 by the Financial Services Regulatory Authority.
Bank where you belong
Handle your everyday banking with seniors accounts and services tailored to your needs.
More ways to care for your finances
Join Creative Arts Financial and unlock your member perks.
If you’re already a member and have turned 60, your upgrade happens automatically.
* Trademark of Visa Int., used under license.
