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For answers to the most frequently asked questions about ATB Online banking, please select a topic.
To log in to ATB Online, please use your Username and Password. If you do not have a username or password, please give us a call at 1-866-282-4WEB (4932).
Please click the Forgot Password link below the Sign-In button, or call ATB's Customer Contact Centre at 1-866-282-4WEB (4932) for assistance.
Yes, passwords may be changed at any time. Although you are not required to change your web password regularly, ATB recommends that you change your password at least every 90 days for added security.
Customer card numbers are no longer required to log in to ATB Online, so you do not need to contact ATB when you receive a new card. To log in to ATB Online, please use your Username. If you need help changing your Username, give us a call at 1-866-282-4WEB (4932).
Please contact us at 1-866-282-4WEB (4932) between 7 a.m. and 11 p.m.
ATB Online banking gives you access to all of your balances, including chequing and savings accounts, term deposits, Guaranteed Investment Certificates (GICs), Registered Retirement Savings Plans (RRSPs), Tax-Free Savings Accounts (TFSAs), personal loans, mortgages, and MasterCard®.
Your account information may be incorrect. Please click the Forgot Password link underneath the Sign-In button and follow the instructions to change your password. Alternatively, you can call 1-866-282-4WEB (4932).
Account Activity lets you review transactions posted to all your personal and MasterCard accounts. To review your transactions, simply click on the Account Activity tab and select the time period you wish to review. On the new ATB Online, you can review 180 days of transactions.
Within the Account Activity section, you can review details about each transaction you've made in the past 180 days, including the date, amount, and description of the transaction, as well as the available balance in your account after the transaction was posted.
Yes, ATB's banking system is updated in real time as transactions are processed, including transactions that occur in ATB Online, telephone banking, or any of our other banking channels. However, please note that MasterCard transactions may take several business days to update.
Your RRSP contribution limits are established by Canada Revenue Agency (CRA) and are based on many factors that we may not know, including your taxable income in prior years and past pension plan contributions. The limits are calculated by CRA and are communicated to you alone. For this reason, we recommend that you monitor your limits and make sure that you don't over-contribute to your RRSP. ATB can't prevent your transaction if it results in an over contribution.
The current CRA limit (effective January 1, 2016) for TFSA contributions is $5,500 per calendar year. However, because you can deposit, withdraw, or transfer TFSA funds between different financial institutions, ATB is not able to monitor your contributions or your limit. For this reason, we recommend that you monitor your TFSA limits and make sure that you do not over-contribute. ATB can't prevent your transaction if it results in an over contribution.
If you've made a payment error or need to request a payment trace, you will need to contact CRA directly. Visit their contact page or call their enquiries line at 1-800-959-8281.
Future-dated ATB Online bill payments are those that are created and stored in your ATB Online account as Recurring Payments or a One-Time Payment. Any future-dated bill payments you create online may be stopped or replaced with a new bill payment. To change or delete a future-dated bill payment, follow these steps:
Future-dated ATB Online transfers are those that are created and stored in your ATB Online account. Any future-dated transfer you create online may be stopped or replaced with a new transfer.
To change or delete a future-dated transfer, follow these steps:
Yes, you can transfer funds between your US$ and CDN$ accounts by using ATB Online. To make the transfer, click on the Transfers tab and select the Transfer Between my Accounts option. Input the appropriate account and currency, verify the transfer and exchange rate, and click Submit.
Please note that recurring transfers aren't available between US$ and CDN$ accounts, and if you need to transfer funds to another financial institution, you are limited to Canadian-based accounts.
The most convenient and secure way to request any account changes is through the Message Centre. To complete a request, follow these steps:
ATB will respond to your request within two business days and send a confirmation message back to you. You can access this confirmation message within the Message Centre.
Paying bills through ATB Online is quite simple, but first you must add bill-payment creditors to your banking profile. Don't worry—you only need to do this once. To add a creditor, follow these steps:
Now that you've added this creditor, you are ready to make a payment. Please note that bill payments made through ATB Online can take 2–5 business days to be posted to your creditor.
One exception is with ATB Financial MasterCard bill payments. When you use ATB Online to make a payment on your ATB Financial MasterCard, this payment will be immediately reflected on your available credit balance—which means that you can use the funds right away. Although the available credit balance will immediately reflect the payment, the owing balance and ATB MasterCard Account Statement will require 1–2 business days to post the transaction.
Unfortunately, bill payments cannot be reversed in most cases. However, ATB can initiate a trace request and seek a refund from the creditor on your behalf. Applicable charges will apply and payment reversal is not guaranteed, especially if you owe funds to that creditor.
If you would like to initiate a bill payment trace, please visit your local branch or call our Customer Contact Centre at 1-800-332-8383. To help with the tracing process, we will need the creditor name and contact information, your account number with them, and the ATB Online transaction reference number.
Click here to view the complete list of companies you can pay using ATB Online.
There are a few ways you can make sure your bills are paid on time:
Please contact us through the secure Message Centre. Here's how:
Your MasterCard will be added to your ATB Online profile within two business days.
The number that appears on ATB Online is your MasterCard account number, which is not necessarily the same as your physical card number. For example, if you have a joint account or have had your card replaced in the past, the numbers will likely be different. The account number on ATB Online is the same one printed on your ATB MasterCard account statements.
Yes, but the account must be based in Canada and you must have all the account information, including the institution code, transit number, and account number. To complete an electronic transfer, simply click on the Transfers tab and then Transfers to External Accounts. Please enter the account information carefully because you are responsible for the accuracy of this transaction.
Yes. It's called Interac e-Transfer and it's available through ATB Online Banking. Visit our Interac e-Transfer page to learn more
Other money transfer options include Electronic Funds Transfers (EFTs), wire transfers, bill payments, cheques, and transfers to external accounts within ATB Online.
Electronic funds transfers are available to business customers only. For personal banking customers, pre-authorized automatic transfers are available. Please contact your branch for more details.
This feature allows you quicker access to commonly used ATB Online sections. To add a section to My Favourites, simply select Customize My Favourites from the drop-down menu, check the sections you wish to add, and click the Submit button.
We are committed to protecting your financial information and your privacy, which is why we have extensive security features in place to ensure that banking through ATB Online is safe and private. We:
Read more information on our commitment to protecting your privacy and the confidentiality of your Personal Information
We need internet security to ensure the information sent and received online is confidential and true. Here, "confidential" means that unauthorized users can't read transmissions sent from one person to another. "True" means that messages aren't altered during transmission.
To protect your accounts and Personal Information, you should follow these online security practices:
Your web browser encrypts data while it's being transmitted. However, some browsers can store information in memory (cache) after it's been sent. To ensure your Personal Information is protected, clear your cache after every visit to a secure site.
ATB Online customer access requires you to enter your Username and a web password that only you should know. Unless you have compromised your password by telling someone else, you are the only one who can access your account information.
Once you have signed in to ATB Online, you have begun an "active session." If you walk away during the course of an active session, someone else can use your computer to perform transactions involving your accounts.
For your security, ATB Online will automatically end your active session if there is no activity on your computer for about 10 minutes. However, to eliminate any exposure, you should end the active session by selecting Log Out.
ATB Online will automatically log you out after 10 minutes if no activity is detected. However, for your security, ATB Financial suggests that you always log out when you have completed your online banking session.
If you have account-specific questions, please contact your nearest ATB Financial branch or call 1-866-282-4932.
No, that is not a legitimate email from ATB Financial. ATB Financial will never ask you to respond via email to any requests for Personal Information, including your passwords, customer card numbers, or login information.
Yes, it can be safe. But you need to make sure you are in a secure environment first. Look for the "secure transaction" symbol on your screen before entering your credit card number—it will look like a key or padlock somewhere on the very bottom of your browser window. If you don't see this symbol, don't enter your Personal Information. You should also verify the validity of the digital certificate to make sure it was issued from a trusted certificate authority like Verisign. Simply double-click the padlock icon to view the certificate's details.
The ATB Online security guarantee protects you when you access your ATB Online account by having you provide answers to personal identification questions that only you would know. Once you've registered, the security program will remember which computer you normally use, creating a unique "signature." If unusual activity occurs, ATB Online will take the additional step of asking your personal identification questions, to provide even greater security to your online accounts.
Yes. They are treated as securely as your password and are never displayed to anyone.
Please contact the Customer Contact Centre at 1-877-731-3501 (toll-free) or go into any ATB Financial branch and speak to one of our associates.
For your protection, the session will time out after 10 minutes.
Yes. Once you have been prompted with a question, the program will continue to ask that question until it is answered correctly.
Yes, but only after you successfully log in. When you are logged in to ATB Online, click on the Self-Service tab and select Manage Security Questions Answer in the Preferences section. You then must correctly answer one security question before you can change the series of questions and answers.
Yes. In order to give you an appropriate level of security, ATB Financial now requires all online customers to use the enhanced security upon sign-up.
You should use a modern internet browser to access ATB Online, including Internet Explorer 9 or higher, Google Chrome, Firefox, Safari, and Opera. Using a modern browser ensures the best possible security, speed, and experience. Always use safe internet browsing practices when visiting our site.
Adding the ATB Online site to your bookmark list is easy. In Internet Explorer, click the menu item Favourites. Select Add to Favorites, then click OK in the confirmation box. The ATB Online page should now appear in your list of Favourites.
ATB Online is accessible and best viewed through any web browser that uses Internet Explorer 5.0 or more recent versions.
ATB Online is designed to work with Internet connection speeds from dial-up (56kbps) or faster.
Our system is designed to support online banking with Simply Accounting, Quicken (Intuit), QuickBooks, Quicken Interchange Format, and Spreadsheet (CSV). Please refer to the Help section in those programs for assistance. You can also refer to the program support website for further information and assistance.
ATB Online is also compatible with Mint.com. This free, easy-to-use web service allows you to track your expenses and build budgets.
We're always interested in your comments and suggestions. You can send us a message by clicking on the Messages tab within ATB Online, or send us an email by visiting the ATB.com Contact Us page.
There is no specific charge for using ATB Online. However, you may be charged based on the ATB account package you chose. For more information, please call ATB's Customer Contact Centre at 1-866-282-4WEB (4932).
Outgoing e-Transfer limits:
Incoming e-Transfer limits:
See information on our commitment to protecting your privacy and the confidentiality of your Personal Information.
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