| Everyday bank accounts at a glance |
|---|
Monthly account
features and fees |
ATB Advantage Account |
Unlimited Account |
Basic
Account |
Pay As You Go Account |
| Transactions included |
Unlimited |
Unlimited |
15 |
0 |
| Monthly fee |
$21.95 |
$9.95 |
$3.95 |
No fee |
| Fee waived with minimum balance of1 |
$5,000.00 |
$2,500.00 |
n/a |
n/a |
| Fee cap |
n/a |
n/a |
n/a |
$25.00 |
Fee for transactions over
monthly account limit |
| In-branch withdrawals and transfers |
n/a |
n/a |
$1.00 each2 |
$1.00 each2 |
| Cheques |
n/a |
n/a |
$1.00 each |
$1.00 each |
| Electronic withdrawals and transfers |
n/a |
n/a |
$1.00 each |
$1.00 each |
| Monthly service features |
| Access to ATB Online™ banking |
Free |
Free |
Free |
Free |
| Access to ATB Mobile banking |
Free |
Free |
Free |
Free |
| Interac e-Transfer |
5 free then $1.50 each |
2 free then $1.50 each |
$1.50 each |
$1.50 each |
| Telephone banking inquiries |
Unlimited |
Unlimited |
Unlimited |
Unlimited |
| Cheque image return |
Free |
Free |
Optional for $2.50 / month |
Optional for $2.50 / month |
| Overdraft protection3 |
No fee unless used |
No fee unless used |
No fee unless used |
No fee unless used |
Withdrawals at non-ATB Financial
automated bank machines |
| INTERAC network in Canada |
5 free then
$1.50 each |
$1.50 each |
$1.50 each |
$1.50 each |
| Cirrus network outside Canada |
$5.00 each |
$5.00 each |
$5.00 each |
$5.00 each |
| Additional banking options |
| Personalized cheques at no charge |
Included (limited style) |
Not included |
Not included |
Not included |
| Money orders or drafts |
Free |
$7.00 each |
$7.00 each |
$7.00 each |
| Certified cheque requests (account holder) |
Free |
$10.00 each |
$10.00 each |
$10.00 each |
| American Express travellers cheques (single signature) |
Free |
1.25%
commission |
1.25%
commission |
1.25%
commission |
| Stop-payment request (full details)4 |
Free |
$12.00 each |
$12.00 each |
$12.00 each |
| Discount on annual safety deposit box fee |
$12.00 each |
n/a |
n/a |
n/a |
1 A minimum balance of $2,500 must be maintained daily each month for the fee waiver to apply. 2 For in-branch bill payment transactions there is a $1.25 additional handling fee per transaction. 3 On approved credit. For the Pay As You Go Account, Basic Account, and Unlimited Account, if overdraft is used, there is a minimum charge of $4 or interest, whichever is greater. For the ATB Advantage Account, you pay interest if overdraft protection is used. Interest is calculated daily on the daily closing overdrawn balance at 19.25% per annum, charged and payable monthly. 4 Stop payment cheque requests are $12 if full details are provided or $20 if partial details are provided. Stop payment EFT or preauthorized debit requests are $20 if full or partial details are provided.