Account Agreements

Please make sure to open and review the following account agreements for the terms & conditions of the new products you are opening.

eChequing and eSavings (including RRSP and TFSA)

Alterna Bank Client and Deposit Agreement

eTerm Deposits

Non-Registered Term Deposit Certificate T&Cs

Registered Term Deposit Certificate T&Cs

RRSPs

RSP Declaration of Trust

TFSAs

TFSA Declaration of Trust

RRIFs

RRIF Declaration of Trust

Debit Card Agreements

New - Effective April 8, 2026: Debit Card Agreement

Effective December 17, 2024: Debit Card Agreement

Existing clients effective July 12, 2017 - December 16, 2024: Debit Card Agreement

Existing clients effective November 13, 2016 - July 11, 2017: Debit Card Agreement

Existing clients opened prior to November 13, 2016: ATM Access Card Agreement