Member
Member
Open a GIC account at the best rates with Habib Canadian Bank — a community-rooted Bank operating in Canada since 2001. Benefit from competitive rates, CDIC protection and a Relationship Manager (RM) who actually picks up.
Insured Deposits
No call centres, no runaround. A short conversation with a relationship manager who looks after you from day one.
Share a few details below, and a relationship manager will call you back to find the right account for you.
Your relationship manager walks you through account opening (KYC and ID required) and, if you are moving savings from another institution, handles that transfer as well.
One relationship manager, one point of contact — a Bank that knows your name.
A community-rooted Bank with the strength of an international group behind it.
Operating in Canada since 2001, a subsidiary of Habib Bank AG Zurich.
A named person who picks up the phone — not a queue or a chatbot.
Eligible deposits insured by the Canada Deposit Insurance Corporation, within limits.
Leave your details and an HCB relationship manager will call to help you open the right account — and answer any questions.
Takes under a minute. No SIN or account numbers needed yet.
An HCB relationship manager will call you within 1–2 business days.
Government-issued ID and, for registered accounts, your SIN and Canadian residency. Your relationship manager walks you through it — you do not need anything to request the call-back.
Yes. If you would like to bring registered savings over, your RM prepares the transfer forms and handles it with your current institution. You sign once.
Eligible deposits at HCB are insured by the Canada Deposit Insurance Corporation (CDIC) within applicable limits and coverage categories, including the separate category for eligible registered accounts.
Registered accounts have residency and eligibility requirements. If you are not eligible for a registered product, your RM can discuss term-deposit options instead. Speak to us and we will find the right fit for you.
Institution-to-institution registered transfers typically take a few weeks depending on your current provider. Your RM keeps you updated throughout.
Interest is calculated based on the daily closing balance of the account. This balance includes transactions completed prior to closing of a business day. Transactions completed or processed after closing of a business day or anytime over the weekend or on a statutory holiday will be considered for interest calculation purposes to have been made on the next business day. Daily interest is calculated as follows: daily closing balance x interest rate for the appropriate account divided by 365 (by 360 for USD accounts). Interest accrues each day during a leap year. When an account is closed, interest credited is calculated based on the previous business day. Interest is credited / paid to the appropriate account on a monthly basis or at maturity based on the terms of the account. Business day means Monday to Friday, excepting statutory holidays and excluding Saturdays and Sundays.