{"id":194084,"date":"2024-09-08T04:05:00","date_gmt":"2024-09-08T08:05:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/alterna-financial-products\/"},"modified":"2025-11-30T09:54:38","modified_gmt":"2025-11-30T14:54:38","slug":"alterna-financial-products","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/products\/alterna-financial-products\/","title":{"rendered":"Alterna Bank: Our review of their financial products"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><strong>Alterna Bank<\/strong> is a Canadian financial institution based in Ontario that specializes in providing banking accounts for individuals and small businesses. But it also offers other products and services, such as mortgages and investments. In this article, we explore the various financial products offered by <strong>Alterna Bank<\/strong>, such as their chequing account and high-interest savings account. Then, we compare these financial products with other Canadian banks and share our review.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;What is Alterna Bank?&#8221; css=&#8221;&#8221; el_id=&#8221;what_is_alterna_bank_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"c34 c61\">CS Alterna Bank, which operates under the <a target=\"_blank\" href=\"https:\/\/www.alternabank.ca\/en\/\">Alterna Bank<\/a> name, is a Canadian financial institution founded over 30 years ago. It is a member of the Alterna Group, which includes Alterna Credit Union and Alterna Bank.<\/p>\n<p class=\"c34 c61\"><strong>Alterna Bank <\/strong>operates mainly in the Ottawa and Gatineau regions, where its head office is located. It offers many products and services to Canadians, including chequing accounts, high-interest savings accounts, mortgages and investments (TFSAs, RRSPs, GICs, etc.). Deposits in their savings products are eligible for <a target=\"_blank\" href=\"https:\/\/www.cdic.ca\/\">CDIC<\/a> deposit insurance up to $100,000.<\/p>\n<p><strong>Alterna Bank<\/strong> also offers products and services for small businesses, such as bank accounts, loans and payroll solutions.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Alterna Bank&#8217;s Financial Products&#8221; css=&#8221;&#8221; el_id=&#8221;alterna_bank_s_financial_products&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>As mentioned above, <strong>Alterna Bank<\/strong> offers a wide variety of financial products. However, our analysis focuses mainly on bank accounts.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Alterna Chequing Account&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;alterna_chequing_account&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p class=\"c16\"><strong> Alterna Bank<\/strong> offers Canadians a chequing account with no monthly fees: No Fee e-Chequing. Here are its main features:<\/p>\n<ul>\n<li>No monthly fees<\/li>\n<li>No minimum balance required<\/li>\n<li>Free and unlimited day-to-day transactions (withdrawals, transfers, bill payments, debit payments, etc.)<\/li>\n<li>Free and unlimited Interac e-Transfers<\/li>\n<li>Access to over 3,300 ATMs on THE EXCHANGE network<\/li>\n<li>Deposits insured by the Canada Deposit Insurance Corporation (<a target=\"_blank\" href=\"https:\/\/www.cdic.ca\/\">CDIC<\/a>)<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Alterna Savings Account&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;alterna_savings_account&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p class=\"c16\"><strong>Alterna Bank<\/strong> offers several savings accounts, the best known being the high-interest eSavings Account. Here are its main features:<\/p>\n<ul>\n<li>No monthly fees<\/li>\n<li>No minimum balance required<\/li>\n<li>High interest rates<\/li>\n<li>Free transfers, debits and bill payments<\/li>\n<li>Deposits insured by the Canada Deposit Insurance Corporation (<a target=\"_blank\" href=\"https:\/\/www.cdic.ca\/\">CDIC<\/a>)<\/li>\n<\/ul>\n<p>The other two savings accounts offered by Alterna Bank are&nbsp;: TFSA eSavings and RRSP eSavings. Both are no-fee accounts with no minimum balance required.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Other Financial Products from Alterna Bank&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;other_financial_products_from_alterna_bank&#8221;][vc_custom_heading text=&#8221;Mortgages&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;mortgages&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"c16\"><strong>Alterna Bank<\/strong> offers a range of fixed and variable-rate mortgages, both for new mortgages and mortgage renewals. Several advantages are offered, such as early repayment options (up to 20% of the initial balance) and covered closing costs of up to $800.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Investing&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;investing&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"c16\"><strong>Alterna Bank<\/strong> offers several investment options. First, the TFSA and RRSP\/RRIF savings accounts mentioned above. But, also, guaranteed investment options such as Term Deposits (eTerm Deposits), Guaranteed Investment Certificates (GICs), Direct investing and Guided Portfolios &#8211; the last two in collaboration with Qtrade.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Comparison with other banks&#8221; css=&#8221;&#8221; el_id=&#8221;comparison_with_other_banks&#8221;][vc_custom_heading text=&#8221;Chequing Accounts&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;chequing_accounts&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In our Review, the <strong>Alterna Bank<\/strong> chequing account is a good choice. Firstly, because there are no monthly fees. But also because there are no fees for day-to-day transactions and no minimum balance required. However, other Canadian banks also offer advantageous chequing accounts, including&nbsp;:<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='10'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--compare-simple container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"393798,368866,368877,399149\"\n\t\t\t\t\t\t\t>\n\t\t\n\t<div class=\"card card-list card-list-header\">\n\t\t<div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n\t<\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>To compare other chequing accounts, use our <a href=\"https:\/\/milesopedia.com\/en\/?p=393505\">bank account comparator<\/a>.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Savings Accounts&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;savings_accounts&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In our Review, <strong>Alterna Bank<\/strong>&#8216;s high-interest savings account is another good choice. However, as is the case with chequing accounts, other Canadian financial institutions have tempting offers (especially online banks), including&nbsp;:<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='10'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--compare-simple container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"368992,394405,397065,399287,393797\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221;]<\/p>\n<p>To compare other savings accounts, use our <a href=\"https:\/\/milesopedia.com\/en\/?p=393505\">bank account comparator<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"247124\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Our review of Alterna Bank&#8217;s financial products&#8221; css=&#8221;&#8221; el_id=&#8221;our_review_of_alterna_bank_s_financial_products&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Overall, <strong>Alterna Bank<\/strong> &#8216;s range of financial products is attractive to Canadians, including bank accounts with no fees and no minimum balance requirements, available through ATMs in Quebec and Ontario.<\/p>\n<p>However, the &#8220;High&#8221; Interest eSavings account interest rate is lower than many of its competitors, whether <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/eq-bank-financial-products\/\">EQ Bank<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/wealthsimple-chequing-account\/\">Wealthsimple<\/a> or <a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/tangerine-a-case-study\/\">Tangerine<\/a>. What&#8217;s more, the range of savings and investment products is limited and offered by another online broker (in collaboration).<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/real-estate\/fhsa-everything-you-need-to-know\/\">TFSA<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/registered-retirement-savings-plan-rrsp-101\/\">RRSP<\/a> savings accounts are available, but the <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/real-estate\/fhsa-everything-you-need-to-know\/\">FHSA<\/a> is not (although it is available in an investment account).<\/p>\n<p>Competition among Canadian financial institutions is fierce, and has been for several years. Of course, <strong>Alterna Bank<\/strong> must continue to offer competitive products and services that meet the needs of Canadians. But it also has to develop new financial products to compete with other banks (traditional banks and online banks).<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210626,191721,189231,318807\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>In this article, we explore the various financial products offered by Alterna Bank, such as their chequing account and high-interest savings account.<\/p>","protected":false},"author":2488,"featured_media":400065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[619],"tags":[],"mc_loyalty_program":[],"class_list":["post-194084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-products","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":null,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Alterna Bank: Our review of their financial products | Milesopedia<\/title>\n<meta name=\"description\" content=\"In this article, we explore the different financial products offered by Alterna Bank, such as their chequing and savings accounts.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/alterna-financial-products\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alterna Bank: Our review of their financial products\" \/>\n<meta property=\"og:description\" content=\"In this article, we explore the different financial products offered by Alterna Bank, such as their chequing and 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