Legal
Updates to the ATB Personal Line of Credit Terms and Conditions
Find out what changed about these terms and conditions on June 16, 2025.
On June 16, 2025, we updated the ATB Financial Personal Line of Credit Terms and Conditions, formerly known as the “Little Book of Lines of Credit.”
This update was made for greater clarity and to reflect changes in ATB’s offerings.
The changes include:
- Term clarification: The “Agreement” definition was expanded to include the ATB Personal Line of Credit Terms and Conditions, the Line of Credit Agreement, Statement of Disclosure, and the Rates and Fees Schedule.
- Apprentice Line of Credit: This is a new section that was added to provide tailored terms and conditions related to this line of credit.
ATB Flex Equity Home Line of Credit: This is a new section that was added to provide tailored terms and conditions relating to this line of credit. - Students First Line of Credit: This was updated to accurately reflect when proof of enrolment is required to maintain the ‘student status’ required by this product. Please note that this product is no longer offered by ATB.
- Digital security: This is a new section. It defines terms like "Credentials," "Digital Signature," "Password," and "Username."
Fraud: This new section was added to address fraud and the importance of protecting account information. - Limitation of Liability, Termination Conditions, and Assignment of Rights: These sections were updated for greater clarity on the obligations involved.
The list above summarizes the substantial changes to the ATB Personal Line of Credit Terms and Conditions, but reviewing the document in full is never a bad idea.
Terms of Use
ATB Financial products and services are predominantly offered to Alberta residents and businesses operating in Alberta. For more information on how ATB Financial can meet your needs, please visit any branch of ATB Financial, or telephone our Client Care Centre (toll-free) at: 1-800-332-8383.
Legal Disclaimer
The information contained on ATB Financials website pages ("Website") is for information purposes only and does not constitute a solicitation or an offer to sell products or services of ATB Financial and/or its subsidiaries​
The products and services of ATB Financial and/or its subsidiaries are only offered in jurisdictions where they may be lawfully offered for sale and are subject to applicable agreements.
Information on this Website is not intended to provide financial, legal, accounting, or tax advice and should not be relied upon in that regard. ATB Financial and/or its subsidiaries are not responsible in any manner whatsoever for direct, indirect, special or consequential damages, howsoever caused, arising out of the use of this Website.
Users of this Website shall only be entitled to copy the information for their own personal use but may not republish nor reproduce any part of the work in any manner whatsoever for any other purpose. All information found in the pages of this Website is protected under the copyright laws of Canada.
Complete confidentiality and security is not yet possible over the Internet. ATB Financial advises users that the Internet is not a secure medium and privacy cannot be ensured. ATB Financial and/or its subsidiaries will not be responsible for any damage users may suffer if you transmit confidential or sensitive information to us. Transmission of confidential or sensitive information is at the user's risk.
Any unprotected email communication over the Internet is, as with communication via any other medium (e.g., cellular phones, post office mail), subject to possible interception or loss, and it is also subject to possible alteration.
While visiting www.atb.com, you may leave the sub-site and access certain non-ATB sites that are listed for your reference. Any links to other sites and content found at linked sites is provided "as is" and is without any express or implied warranties, including warranties of merchantability or fitness for a particular purpose. Every effort is made to provide accurate and useful information; however, ATB Financial does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on any linked sites. ATB Financial neither reviews nor controls the content and accuracy of these linked sites, and will not be responsible for their content and accuracy. Your access to non-ATB sites is at your sole risk and discretion.
Certain names, words, titles, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trademarks or service marks ("trademarks") of ATB Financial and/or its subsidiaries or third parties and used under license by ATB Financial and/or its subsidiaries. The display of trademarks on this Website does not imply that any license has been granted to the user or to any third party.
ATB Financial is an Alberta financial institution governed by the laws of the Province of Alberta, Dominion of Canada, and established and operating under the authority of the ATB Financial Act. In compliance with section 983(4.3) of the Bank Act (the "Act"), as amended from time to time, this notice is to serve as the disclosure requirement to permit the use of the words “bank”, “banker” or “banking” by ATB Financial. Use of the words "bank", "banker" or "banking" is permitted in accordance with section 983(4.2)(f) of the Act. The repayment by ATB Financial of money deposited under the ATB Financial Act, and interest payable on that money, is guaranteed by the Crown in right of Alberta.