If you want to reduce the fees your group pays and still receive a competitive interest rate, our Community Spirit Account is designed for you.

Whether your group is a large provincial association or a smaller local group, the Community Spirit Account has the built-in flexibility to meet your needs. To save you money, it features no monthly fees—plus the first 15 debit/credit transactions each month are free¹.

Your deposits are put to work for you as well: interest is paid monthly based upon your group's average (not minimum) monthly balance. When you said that it wasn't fair that interest was paid at the same (low) rate for large and small deposits, we heard you. We pay interest based upon your deposit tiers: an initial rate for that part of your deposit in the first tier, a higher rate for that part in the next tier, and so on. The larger your deposit, the higher your interest rate. Automatically.

At ATB Financial we are proud to be the financial institution chosen by many groups and associations across Alberta. We'd like to be your choice too.