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 Freedom Account


Enjoy the well-deserved benefits of the Freedom Account.

If you've turned 59, it's the account that saves on service charges and provides you with a number of free perks. By opening a joint account, you can also extend all the benefits to your spouse.

Refer a friend and get $50!

Friendship pays if you’ve got an ATB chequing account.

Learn more

Freedom Account details
Qualification requirements1 Age 59 or over
Monthly account features and fees
Transactions included (debit and credit) Unlimited
Monthly fee No fee
Monthly service features
Access to ATB Online™ banking Free
Access to ATB Mobile banking Free
Interac e-Transfer 2 free per month, then $1.50 each
Telephone banking inquiries Unlimited
Cheque image return Free
Overdraft protection2 No fee unless used
Refunds on withdrawals at non-ATB Automated Bank Machines (ABMs)
In Canada (excluding Alberta)
$3.50 flat fee per withdrawal
2 per month
In U.S.
$8.00 flat fee per withdrawal
1 per month
Additional banking options included with account
Cheque orders One free cheque order per calendar year, limited styles
Money orders or drafts Free
American Express travellers cheques (single signature) Free
Discount on annual safe deposit box fee $10.00
Certified Cheques $10.00
Stop Payments (Cheques) - Full details $12.00
Stop Payments (Cheques) - Partial details $20.00
Stop Payments (EFTs or preauthorized debits) - Full or partial details $20.00
1Customers must apply and meet the eligibility requirements. Only 1 Freedom Account per customer, either an individual account or a joint account. Individual account holders must be 59 years old or older. On joint Freedom Accounts, a minimum of one account holder must be 59 years old or older.2On approved credit. If overdraft protection is used, there is a minimum charge of $4 or interest, whichever is greater. Interest is calculated daily on the daily closing overdrawn balance at 19.25% per annum, charged and payable monthly.
Account Satisfaction Guarantee 

Personal Account Agreement

Call 1-800-332-8383 if you would like a fax copy or have any questions regarding this agreement.


Additional services & fees