eVest Account

An exceptional 'everyday' rate

We have a big interest in helping you save and are happy to offer our exclusively online investment savings account called eVest Account, with a market-friendly 'everyday' rate of 1.60%* on every dollar.

Current members with online banking access can self-open an eVest Account from any desktop PC: log in and from the left menu, select Account Services - Open a New Account/Savings Accounts and click 'eVest Account' - it's that easy!

Alternatively if you would like assistance with the initial opening of your new online eVest Account, click here and a Member Solutions Associate will assist you.

A 'welcome' rate for new members

We also have a big interest in growing our members and we're offering a 'welcome' rate of 1.85%* on eVest Accounts opened by new members until April 30, 2018Click here and a Member Solutions Associate will help you get started with your new membership and eVest Account opening.

The eVest Account is now TFSA and RRSP eligible.

eVest Account

eVest Account key features

How to access your eVest Account

Online, mobile & automated telephone access
  • Your funds are accessible 24/7 via these methods.
  • In-branch personal service is not available - it is a self-serve, online-access-only account.
  • For those times when you do need assistance, our Member Solutions Centre is available during regular business hours at 1.800.598.2891 (option 4).
Online transfers (debits) to your other Tandia accounts
  • Free and unlimited online debit transactions.
Member Card® debit card transactions (non-registered accounts only)
  • ATM withdrawals are $5.00 each.
  • Funds can be withdrawn at any Tandia ATM. location or thousands of ATMs across Canada that display The Exchange® Network logo plus the Interac® and Cirrus® ATM networks as well.
  • Interac® Direct Payment/Flash purchases are also $5.00 each.
Interac e-Transfer®
  • $5.00 each.
Bill payments & pre-authorized payments/debits
  • Not available on this account.

How to grow your eVest Account

Online transfers (credits) to your eVest Account from your other Tandia accounts
  • Free and unlimited.
Me2Me Transfers - transfer funds between your other financial institutions and your eVest Account
  • Free and unlimited.
  • Initial authorization and setup required.
ATM Deposits and Deposit Anywhere™
Payday Deposits
  • Set up a regular auto-transfer of a fixed amount of any regular deposit made to any Tandia account - contact our Member Solutions Centre for assistance.

eVest Account interest and fees

  • Interest is calculated on the closing daily balance and paid monthly
  • eStatements are provided monthly at no charge
  • For more information on applicable service fees, refer to our Service Fee Bulletins

eVest TFSA

eVest TFSA key features

  • A registered Tax Free Savings Account
  • Unlimited free self-serve/online-only transfer transactions between Tandia accounts
  • Easy for current TFSA holders to self open through Tandia's online banking
  • New TFSA holders and new members can get their eVest TFSA started at any branch location
  • Deposit convenience via Me2Me Transfers

How to access your eVest TFSA

Online, mobile & automated telephone access
  • Your funds are accessible 24/7 via these methods.
  • The eVest TFSA is primarily a self-serve, online-access-only account. For those times when you do need assistance with your eVest TFSA, your branch and our our Member Solutions Centre can assist you.
Online transfers (debits) to your other Tandia accounts
  • Free and unlimited online debit transactions.
 
TFSA Tip: If you take money out of your Tax-Free Savings Account, you don't lose the contribution room -- you get it back in the following year. So wehn you take money out, you have to wait until the next year before you can put it back in.

How to grow your eVest TFSA

Online transfers (credits) to your eVest TFSA from your non-registered Tandia accounts
  • Free and unlimited online credit transactions
Me2Me Transfers - transfer non-registered funds from other financial institutions to your eVest TFSA
  • Free and unlimted Me2Me transfers
  • Initial authorization and setup required
TT2033 - transfer TFSA funds from your other financial institutions to your eVest TFSA
  • Visit your branch or contact the Member Solutions Centre for assistance.
PayDay Deposits
  • Set up a regular auto-transfer of a fixed amount of any regular deposit made to any Tandia account
TFSA Tip: For 2017 and also for 2018, the TFSA annual dollar limit is $5,000 and will continue to be indexed to inflation in future years. If you've never contributed to a TFSA, as of 2018 there is $57,500 total contribution room available. And for a couple, the higher-income earner can give money to the lower-income spouse (without attribution rules applying), allowing $115,000 in combined contribution room.

eVest TFSA interest and fees

  • Interest is calculated on the closing daily balance and paid monthly
  • eStatements are provided monthly at no charge
  • For more information on applicable service fees, refer to our Service Fee Bulletins
TFSA Tip: Each year, the government will determine and advise you of your available Tax-Free Savings Account conttribution limit on your CRA Notice of Assessment.

eVest RRSP

eVest RRSP key features

  • A Registered Retirement Saving Plan acount
  • Unlimited free self-serve/online-only transfer-in transactions between Tandia accounts
  • Easy for current RRSP holders to self open through Tandia's online banking
  • New RRSP holders and new members can get their eVest RRSP started at any branch location
  • Deposit convenience via Me2Me Transfers

How to access your eVest RRSP

Online, mobile & automated telephone access
  • Your funds are accessible 24/7 via these methods.
  • The eVest RRSP is primarily a self-serve, online-access-only account. For those times when you do need assistance with your eVest RRSP, your branch and our our Member Solutions Centre can assist you.
RRSP Tip: RRSP funds can be withdrawn, in whole or in part, subject to a minimum withholding tax at source; the money you withdraw is taxable and will be reported on a T4RSP for income tax reporting purposes.

How to grow your eVest RRSP

Online transfers (credits) to your eVest RRSP from your non-registered Tandia accounts
  • Free and unlimited online credit transactions
Me2Me Transfers - transfer non-registered funds from other financial institutions to your eVest RRSP
  • Free and unlimted Me2Me transfers
  • Initial authorization and setup required
TT2033 - transfer RRSP funds from your other financial institutions to your eVest RRSP
  • Visit your branch or contact the Member Solutions Centre for assistance.
PayDay Deposits
  • Set up a regular auto-transfer of a fixed amount of any regular deposit made to any Tandia account
RRSP Tip: New RRSP contributions will generate an official receipt for income tax reporting purposes. The Income Tax Act allows you to transfer your existing RRSPs tax-free between issuers. The transfer must be made directly from one issue to another (via form T2033).

eVest RRSP interest and fees

  • Interest is calculated on the closing daily balance and paid monthly
  • eStatements are provided monthly at no charge
  • For more information on applicable service fees, refer to our Service Fee Bulletins
RRSP Tip: Your CRA Notice of Assessment, received after filing your tax return, will state your RRSP contribution room for the following year. You can also phone the CRA Tax Information Phone Service 1.800.267.6999 (TIPS) or log into My CRA Account to confirm your available room.


*The everyday rate is stated per annum and is subject to change at any time without notice. Interest is calculated on the closing daily balance and paid monthly.

**The welcome rate is applicable until April 30, 2018 on eVest Accounts opened by new members joining Tandia on or after December 1, 2017; the everyday rate resumes on May 1, 2018. Interest is calculated on the closing daily balance and paid monthly.

Rates are per annum and are subject to change without notice.

®EXCHANGE is a registered trademark licensed for use in Canada by FICANEX SERVICES Limited Partnership.

®INTERAC is a trademark owned by Interac® Inc. and is used under license.

™DEPOSIT ANYWHERE is a trademark of Central 1 Credit Union and is used under license.

 

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eVest Account
eVest Account - online only
Everyday Rate 1.60%
eVest Account - New Member Welcome Rate
until Apr. 30, 2018 1.85%