Privacy and Security

Two-factor authentication

man at laptop looking at cell phone

Two-factor authentication (2FA) makes your online and mobile banking even safer.

All ATB clients must enrol in two-factor authentication. 2FA is an extra layer of security to keep your ATB accounts safe.

Why do I need 2FA?

It’s protection beyond passwords

Even if someone knows your username and password, 2FA checks if it’s really you by asking you to enter a one-time passcode, making it more difficult for someone to access your accounts or perform transactions without your authorization.

It’s an extra layer of defence

Enrolling in 2FA protects your accounts by requiring something you know (your username and password) and something you have (a passcode sent to your phone).

A few seconds that can prevent big fraud

When challenged, 2FA only adds a few extra seconds to the transaction process, while potentially saving you countless hours of effort and frustration that victims of fraud typically experience.

How it works

We’ll ask for a one-time passcode when needed, to ensure it’s you accessing your account. 2FA gets triggered by certain actions, like logging in, moving money or changing settings. 

When you receive this prompt:
  1. Confirm you’re ready to receive the one-time passcode via your preferred delivery method (text message or voice call).
  2. Enter the 6-digit passcode within 3 minutes to continue banking.


Get codes via text message

ATB can send the one-time passcode to your mobile phone via text message. Your carrier's standard messaging rates may apply.

Want a phone call instead?

ATB can use an automated agent to call your mobile or landline phone with your passcode.

Keep personal accounts private

Access all the accounts you need and keep personal accounts private with individual logins for joint accounts.

Easier login and fewer challenges

Enable biometrics on your mobile phone for stronger security with fewer 2FA challenges.

Access without a connection

Switch your passcode delivery preference to a landline phone call. Or, call our Client Care team at 1-800-332-8383 (001-403-332-8383 overseas) if you need immediate assistance.

Email passcodes for international numbers

Anyone with an international phone number has the opportunity to receive their passcode via email.

Frequently Asked Questions

2FA is an authentication system that fights fraud by creating an additional layer of security on your accounts.

Before you log in or complete certain online transactions, you might be asked to enter a one-time passcode. This passcode will be sent in one of two ways: via text message to your mobile phone or an automated voice message to your mobile or landline phone. It works as a second check to make sure it’s really you accessing your account.

2FA is free. At ATB, we’re dedicated to keeping your money, and your identity, safe. Your carrier’s standard messaging rates may apply if you choose to receive passcodes via text.

Try requesting another passcode via a link or button that says, "Resend Code". Make sure you have an adequate cell signal when you’re using the ATB Personal mobile app.

If that doesn’t work, call our Client Care team at 1-800-332-8383.


Yes, here’s a tutorial on how to manage your 2FA for ATB Personal.

For ATB Online Business, look for the Client Services tab. Under preferences, select “manage enhanced security” and follow the prompts.

Need help? Please call 1-800-332-8383 and we would be happy to update the phone number for you.

You can! Check out this tutorial on 2FA management in ATB Personal. For ATB Online Business, head to the Client Services tab and select “manage enhanced security.” Then follow the prompts.

Need help? Please call 1-800-332-8383 and we would be happy to update the phone number for you.

Call us at 1-800-332-8383 to secure your account and prevent any possible fraud. 


The transaction will automatically be cancelled. The passcode needs to be entered before a transaction can proceed.

Then 2FA is working as intended to keep your accounts safe. Please call Client Care immediately at 1-800-332-8383 and we will review your account to prevent any possible fraud. You’ll also need to change your password as soon as possible.