Yea I don’t think “any bank” will give you 4%. Just checked CIBC and there are a number of conditions and also the bonus interest only applies for the first 4 m

Yea I don’t think “any bank” will give you 4%. Just checked CIBC and there are a number of conditions and also the bonus interest only applies for the first 4 months on your first account: https://www.cibc.com/en/special-offers/smart-savings-bonus-interest.html https://www.cibc.com/en/special-offers/smart-savings-bonus-i... TD is not even close to offering 4% https://www.td.com/ca/en/personal-banking/products/bank-accounts/account-rates https://www.td.com/ca/en/personal-banking/products/bank-acco... And RBC only gives higher interest rates for 3 months https://www.rbcroyalbank.com/investments/psi/hisa.html https://www.rbcroyalbank.com/investments/psi/hisa.html