Our savings accounts offer these common benefits in addition to their individual features:

  • Free Online, Mobile and Telephone Banking
  • Surcharge-free access to over 6,300 ATMs across Canada 
  • Environmentally sensitive e-Statement option to reduce paper usage and enhance your security and privacy
  • Deposits are 100% guaranteed**

Personal Savings Accounts


High Interest Savings

Premium interest rate with full access to your money and slightly higher fees.

  • Earn more with a competitive interest rate
  • No minimum balance required
  • One free debit per month, should you need it
  • TFSA and RESP eligible
  • Deposits are 100% guaranteed**
No minimum balance / TFSA
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The High Interest Savings Account is an investment savings account offering a premium interest rate. It is an ideal complement to your everyday bank account to save for a special purchase or event. Or use it as a way to start building your investments until you have enough to meet the minimum required for a term deposit or to invest in other ways.

  • Competitive rate; no minimum balance required
  • One free debit per month, such as a withdrawal, transfer or electronic bill payment
  • Make unlimited deposits, when and how you choose
  • Free monthly statement
  • Easy access to your money through ATMs, Online, Mobile or Telephone Banking
  • Deposits are 100% guaranteed**

 

Balance Rate
No minimum balance required to earn interest
0.10%
*

 

High Interest Savings Package Service Charges
In-Branch
Withdrawals $5.00 c
Bill Payments $5.00
Transfers (between BlueShore Financial accounts) $5.00 c
Electronic
Withdrawals - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM $5.00 c
Withdrawals – Interac® ATM $6.50
Withdrawals – Cirrus or U.S. EXCHANGE® ATM $7.50
Point of Sale (in Canada) $5.00 c
Bill Payment $5.00 c
Transfers (between BlueShore Financial accounts) $5.00 c
Interac® e-Transfers - request money $1.00
Interac® e-Transfers - send money $5.00 c
Pre-authorized Payment Debits $5.00 c
Cheque Clearing N/A

c May be counted as free transactions as per account set-up.

d $5.00 transaction fee applies after transaction limit exceeded.

 

Savings Regular

Earn interest with full access to your money.

  • Access your money anytime – through ATMs, direct payment (POS), Online or Mobile Banking, or in-branch withdrawals
  • 1 free transaction a month
  • Deposits are 100% guaranteed**
1 free transaction / Month
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If you would like to save for a special purchase or event, but need to dip into your savings occasionally, this may be the account for you.

  • 1 free transaction per month (see service charges for details)
  • Access your funds via ATM, direct payment (POS), online or mobile banking, or in-branch withdrawals
  • Free electronic transfers between BlueShore Financial accounts
  • Free monthly statement
  • Per-transaction fees mean you only pay for what you use
  • Deposits are 100% guaranteed**

 

Balance Rate
No minimum balance required to earn interest
0.05%
*

 

Savings Package Service Charges
In-Branch Regular Golden Youth
Withdrawals $1.00b $1.00b $1.00b
Bill Payments $1.00b $1.00b $1.00b
Transfers (between BlueShore Financial accounts) $1.00b $1.00b $1.00b
Electronic Regular Golden Youth
Withdrawals - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM $0.70b $0.70b $0.70b
Withdrawals - Interac® ATM $2.25 $2.25 $2.25
Withdrawals - Cirrus or U.S. EXCHANGE® ATM $3.25 $3.25 $3.25
Point of Sale (in Canada) $0.70b $0.70b $0.70b
Bill Payment $0.70b $0.70b $0.70b
Transfers (between BlueShore Financial accounts) Free Free Free
Interac® e-Transfers (send, request money) $1.00 $1.00 $1.00
Pre-authorized Payment Debits $0.70b $0.70b $0.70b
Cheque Clearing N/A N/A N/A

b May be counted as free transaction(s) as per package set-up.

 

U.S. Savings

Easy cross-border banking.

  • No need to convert your funds
  • Pay only for the services you use
  • Earn daily interest
  • Transfer funds online between your U.S. and Canadian accounts
Daily Interest
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Ideal for clients who frequently travel across the border or who receive money from the U.S. This account earns daily interest and shelters you from fluctuations in currency exchange rates.

  • Buy U.S. currency when rates are favorable; earn interest while you hold it
  • 1 free transaction per month; then pay on a per-transaction basis
  • Transfer funds between your U.S. Savings and U.S. Chequing account without currency conversion – online, in-branch or by phone through our Solution Centre
  • Transfer funds between your Canadian and U.S. accounts online – standard currency conversion rates will apply
  • Free monthly statement
  • Deposits are 100% guaranteed**

Please note this account cannot be accessed from ATMs that dispense U.S. funds.

 

Balance Rate
No minimum balance required to earn interest
0.00%
*

 

U.S. Savings Account Service Charges
Transactions included 1
In-Branch
Withdrawals $1.00a,b
Bill Payments N/A
Transfers (between BlueShore Financial accounts) $1.00a,b
Electronic
Withdrawals – BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM N/A
Withdrawals – Interac® ATM N/A
Withdrawals – Cirrus or U.S. EXCHANGE® ATM N/A
Point of Sale (in Canada) N/A
Bill Payment N/A
Transfers (between BlueShore Financial accounts) Freec
Interac® e-Transfers N/A
Pre-authorized Payment Debits $0.70a,b
Cheque Clearing N/A

a Service charges in U.S. dollars

b This transaction qualifies as part of your monthly transaction total

c Standard foreign exchange rates apply between Canadian and U.S. accounts

 

Registered Savings Accounts


RRSP Savings

Save for retirement tax-efficiently.

  • Complete flexibility – add to your RRSP savings as often as you wish
  • No minimum balance required
  • Deposits are 100% guaranteed**

 

Our RRSP Savings account is a flexible savings option designed to help make it easy for you to save for your retirement. You choose how much, when and how often you wish to contribute to your RRSP. You can transfer your funds to a higher-yield registered investment product – for example, term deposits or mutual funds – at any time with no penalties or service fees.

And if you're running short on time when RRSP contribution deadlines loom, it's a great place to "park" your money to ensure you maximize your tax benefits. Then you can arrange to meet with one of our financial or investment advisors, to make the right long-term decisions for your retirement savings.

  • No minimum balance required
  • Complete flexibility; keep the funds in the account for as long or short a period of time as you wish
  • Transfer funds anytime to your RRSP Savings account through Online or Mobile Banking
  • Deposits are 100% guaranteed**

 

Balance Rate
No minimum balance required to earn interest
0.10%
*

 

RRIF Savings

Ready money for your retirement income needs.

  • Complete flexibility
  • The ideal "transfer" account as you convert your retirement savings to income
  • No minimum balance required
  • Deposits are 100% guaranteed**

 

A Registered Retirement Income Fund (RRIF) Savings account combines the flexibility of a savings account with the benefit of a registered product. It's a great source of ready cash when you don't want to "cash out" funds from other RRIF investments. You can accumulate funds in your RRIF Savings tax-free until you withdraw them. You might use the money for a holiday, major purchase, emergencies or to pay taxes. Manage your retirement income on your own terms; the amount and length of time your funds are held in the account can vary, and you won't be charged penalties or service fees.

  • No minimum balance required
  • Open term – keep the funds in the account for as long or short a period of time as you wish
  • Deposits are 100% guaranteed

 

Balance Rate
No minimum balance required to earn interest
0.10%
*

 

RESP Growth Savings

Accelerate post-secondary savings.

  • Earn more with a competitive interest rate
  • No minimum balance required
  • Deposits are 100% guaranteed**

 

Registered Education Savings Plans (RESPs) are an excellent way to save for your child's post-secondary education. The RESP Growth Savings account offers a premium interest rate and is ideal for "parking" your money as you accumulate it or until you decide how you wish to have it invested.

  • Premium rate; no minimum balance required
  • Open term; keep the funds in your account for as long or short a period of time as you wish
  • Deposits are 100% guaranteed

 

Balance Rate
No minimum balance required to earn interest
0.10%
*

 

Golden Savings Accounts


Golden Savings

Earn interest with access to your money.

  • For clients age 59 and over
  • 10 free transactions a month
  • Access your money anytime – through ATMs, direct payment (POS), Online or Mobile Banking, or in-branch withdrawals
10 free transactions / month
Contact Us

 

If you are 59 or over, this account is ideal if you wish to earn interest on your funds but make occasional withdrawals. As a Golden client, you get 10 free transactions a month and you can access your money any time.

  • 10 free transactions per month (see service charges for details)
  • Free Canadian bank drafts
  • Access to your funds via ATM, direct payment (POS), Online or Mobile Banking, or in-branch withdrawals
  • Free electronic transfers between BlueShore Financial accounts
  • Free monthly statement
  • Per-transaction fees (after the first 10) mean you only pay for what you use
  • Deposits are 100% guaranteed**

 

Balance Rates
No minimum balance required to earn interest.
0.05
*

 

Savings Package Service Charges
In-Branch Regular Golden Youth
Withdrawals $1.00b $1.00b $1.00b
Bill Payments $1.00b $1.00b $1.00b
Transfers (between BlueShore Financial accounts) $1.00b $1.00b $1.00b
Electronic Regular Golden Youth
Withdrawals - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM $0.70b $0.70b $0.70b
Withdrawals - Interac® ATM $2.25 $2.25 $2.25
Withdrawals - Cirrus or U.S. EXCHANGE® ATM $3.25 $3.25 $3.25
Point of Sale (in Canada) $0.70b $0.70b $0.70b
Bill Payment $0.70b $0.70b $0.70b
Transfers (between BlueShore Financial accounts) Free Free Free
Interac® e-Transfers (send, request money) $1.00 $1.00 $1.00
Pre-authorized Payment Debits $0.70b $0.70b $0.70b
Cheque Clearing N/A N/A N/A

b May be counted as free transaction(s) as per package set-up.

 

Youth Savings Accounts


Youth Savings

Earn interest with access to your money.

  • For clients age 18 and under
  • 10 free transactions a month
  • Access your money anytime – through ATMs, direct payment (POS), Online or Mobile Banking, or in-branch withdrawals
10 free transactions / month
Contact Us

 

This account is ideal if you are 18 and under and need a way to help you save for a goal, either short-term (maybe a new bike or cell phone) or long-term (a car, your education, even your own business!). You can access your money any time.

  • 10 free transactions per month (see service charges for details)
  • Access your funds via ATM, direct payment (POS), Online or Mobile Banking, or in-branch withdrawals
  • Free electronic transfers between BlueShore Financial accounts
  • Free annual statement
  • Per-transaction fees (after the first 10) mean you only pay for what you use
  • Deposits are 100% guaranteed**

 

Balance Rate
No minimum balance required to earn interest
0.50%
*

 

Savings package service charges
In-Branch Regular Golden Youth
Withdrawals $1.00b $1.00b $1.00b
Bill Payments $1.00b $1.00b $1.00b
Transfers (between BlueShore Financial accounts) $1.00b $1.00b $1.00b
Electronic Regular Golden Youth
Withdrawals - BlueShore Financial, THE EXCHANGE® or ACCULINK® ATM $0.70b $0.70b $0.70b
Withdrawals - Interac® ATM $2.25 $2.25 $2.25
Withdrawals - Cirrus or U.S. EXCHANGE® ATM $3.25 $3.25 $3.25
Point of Sale (in Canada) $0.70b $0.70b $0.70b
Bill Payment $0.70b $0.70b $0.70b
Transfers (between BlueShore Financial accounts) Free Free Free
Interac® e-Transfers (send, request money) $1.00 $1.00 $1.00
Pre-authorized Payment Debits $0.70b $0.70b $0.70b
Cheque Clearing N/A N/A N/A

b May be counted as free transaction(s) as per package set-up.

 

BlueShore Financial, Financial Advisor, Gary Suen

Gary Suen

Financial Advisor

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Our team of experienced professionals are here to answer any questions you may have.

* Rates are subject to change without notice at any time. 

** Deposits are 100% guaranteed. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia.