59+? Sign up with ATB to get access to premium perks and banking benefits.
With the largest branch network in Alberta, finding a location near you is easy. Book an appointment with an everyday banking advisor today.
Bank the way you want for 59+
Discover ATB's banking solutions for Albertans 59 and older. Enjoy premium chequing with no monthly fee and unlimited transactions, USD banking and access to free expert advice.
Find a locationWelcoming new clients with $250*
Open the banking essentials and get $100* cash
Hey Albertans over 59! This one’s for you! Start by opening your no monthly fee Freedom Account and Springboard Savings Account® to receive $100* cash. Open both online now.
Add a Mastercard and get $50* in value
Save the annual fee with this card. Perfect for earning rewards on every purchase. Add an ATB Gold My Rewards Mastercard® for an extra $50* in value (10,000 welcome bonus points). Apply online now.
Add a loan and get an additional $100* cash
Never miss your grandkid’s hockey fees. Earn an additional $100* cash when you open a Personal Loan or Line of Credit. Explore our lending options, or book an appointment for personalized guidance.
Let’s talk.
Prefer to meet with someone to get this offer? You can also book an appointment.
Premium perks and no monthly fees
| Products | 59+ Banking Benefits |
|---|---|
| No fee premium chequing account | Get the Freedom Account for $0 a month with unlimited transactions. |
| $0 annual fee Mastercard + 10,000 welcome bonus points1 | Skip the annual fee with the ATB Gold My Rewards MastercardⓇ and get 10,000 welcome bonus points ($50 value) when you use the card for the first time. |
| USD banking solutions | Qualify for a USD chequing account, USD savings and ATB US Dollar Mastercard, all with no monthly or annual fee. |
| No fee savings accounts | Get access to no fee savings accounts. |
| Global transfers | Send money globally with ease. ATB's online banking offers low-cost or no-fee Global Transfers to 46 countries in 25+ currencies, including worry-free, no-fee test transfers—a cost-effective option compared to traditional wire transfers. |
Cover all your banking needs from every day to savings and retirement.
Reap well-earned benefits
Freedom Account
If you’re 59 or older, enjoy unlimited transactions with no monthly fee.
Flexible, points based rewards to suit your needs
ATB Gold My Rewards Mastercard®
Earn more rewards every day towards travel, merchandise or gift cards.
No monthly fees with a Freedom Account
US Dollar Chequing Account
Easily transfer USD to and from your other ATB accounts. Enjoy no monthly fee if you have the Freedom Account.
Enjoy cross-border credit
ATB US Dollar Mastercard®
Pay US dollars for US purchases. No US exchange fees. No need to convert the charges on your statement.
Bank when and where you want
Online & Mobile Banking
Manage your money conveniently online, anytime, anywhere with extensive security features.
Available for a limited time
Grow Alberta GIC
Choose peace of mind in times of economic uncertainty. Get solid returns and boost Alberta's economy at the same time with ATB’s Grow Alberta GIC.
Make saving straightforward
Springboard Savings® Account
Your no-risk way to earn interest and pay no annual fees.
Plan for it with a trusted expert
Wealth Planning
Ensure your retirement, estate, trust and tax plans reflect your vision for the future.
Invest for a set term
Non-redeemable GIC
An investment with set terms and guaranteed returns. ‘Non-redeemable’ just means more time for your money to earn interest.
Invest in a tax-free account
Tax-Free Saver Account
Earn tax-free interest on your total balance. Contribute up to $7,000 annually and withdraw your money at any time. No minimum balance.
Borrow what you need when you need it
ATB Flex Home Equity Line of Credit™
As you pay down your mortgage, you get more access to fund the things that are important to you.
Leverage your existing assets
Home Equity Line of Credit
Put your home to work for you. With a preferred interest rate, redo your kitchen, build an addition or consolidate your debts.
Finance your life
Personal Loan
A new truck. A pilgrimage. A pet project. Debt consolidation. Whatever your goal, we’re here to help you achieve it.
Financial freedom is yours. Let’s talk.
We offer tailored solutions for those 59+ to ensure you stay on track with your financial goals and save money on fees. Get personalized advice and enjoy a coffee on us when you book an in-branch appointment.
Get advice on how to make the most of your finances.
Fraud prevention
We offer free anti-fraud training and various other resources to help you defeat the most common tactics cyber criminals use.
Estate planning
Access free resources to help you build an estate and trust plan that fulfills all your wishes.
Ways to bank with ATB
Online banking resources
Our library of digital tutorials are designed to help you easily manage your accounts and investments online.
Telephone banking
Call 1-800-661-9619 to complete your banking transactions securely, over the phone.
Visit us at one of our many locations
With the largest branch network in Alberta, come in and speak with a banking expert or access our automated banking machines.
Frequently asked questions
To be eligible for this offer, you need to meet the following criteria:
- Be between 59 years of age and above.
- Be a resident of Alberta.
- Not be an ATB employee.
- New ATB Client: You must not have held (either individually or jointly) any of the following accounts within the last three years from your first eligible account opening: Personal ATB Chequing Accounts: Pay As You Go, Basic, Unlimited, ATB Advantage, Generation™, Students First.
Springboard Savings® Account. Personal ATB Mastercard®: ATB Gold Cash Rewards, ATB Gold My Travel Rewards, ATB Gold My Rewards, ATB World Elite, ATB Preferred Fixed-Rate, ATB Preferred Variable-Rate, ATB Alberta, ATB US Dollar. Unsecured Lending Products: Personal Loan, Investment Express Loan, RRSP Max-It® Loan, Personal Line of Credit, Students First Line of Credit, Apprenticeship Line of Credit, Professional Students Line of Credit. - Account Opening Period: Open your first eligible ATB account (a Freedom Account) between June 23, 2025, and November 28, 2025.
- Limit: One (1) banking offer per new ATB client. Find other eligible banking offers here.
No, you do not need to open all accounts to qualify for offers related to those accounts.
Option 1: Open Freedom + Springboard Savings. By opening a Freedom Account and Springboard Savings Account, you get a $100* cash bonus after qualifying criteria is met.
Option 2: Open a ATB Gold My Reward Mastercard. By opening the ATB Gold My Reward Mastercard, you would qualify for 10,000 welcome bonus points ($50* in value) after your first purchase.
Option 3: Open all 4 qualifying products. By opening all 4 products (Freedom, Springboard Savings, ATB Gold My Rewards Mastercard, and a Personal Loan OR Line of Credit) you will receive a $200* cash bonus + the 10,000 welcome bonus points ($50* in value) after qualifying criteria is met.
Option 1: Open Freedom + Springboard Savings. Your $100* cash payout will be deposited into your eligible Springboard Savings account. This deposit will be made no later than 180 days from your first eligible account opening, provided all offer criteria have been met.
Option 2: Open a ATB Gold My Reward Mastercard. You'll receive 10,000 welcome bonus points (a $50* value) after your first eligible purchase. The welcome bonus points will be applied directly to the client’s ATB My Rewards account. This will happen within 60 days after the first eligible purchase is made using the ATB Gold My Rewards Mastercard.
Option 3: Open all 4 qualifying products. By opening all 4 products (Freedom, Springboard Savings, ATB Gold My Rewards Mastercard, and a Personal Loan OR Line of Credit) you will receive a $200* cash bonus will be deposited into your eligible Springboard Savings account no later than 180 days from your first eligible account opening + the 10,000 welcome bonus points ($50* in value), provided all offer criteria have been met.
ATB Gold My Rewards Mastercard Offer
Welcome bonus offer available on new ATB Gold My Rewards Mastercard accounts where the cardholder had no previous ATB Gold My Rewards Travel Mastercard. This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply. Review terms and conditions HERE.
*ATB Essentials Banking Offer -
The cash payout will be made into the eligible Springboard SavingsⓇ account (up to $200) no later than 180 days from the first eligible account opening and all offer criteria has been met, which includes:
- ATB Essentials Banking Offer begins on July 23, 2025. Clients MUST be 18 of age, resident of Alberta, non-ATB employee. Limit of one (1) Banking Offer (ATB Adulting Essentials, ATB Essentials, ATB Essentials Plus), or one (1) MastercardⓇ Offer per client.
- To qualify for the cash payout, you must not have held (either individually or jointly) any personal ATB chequing account (including Pay As You Go, Basic, Unlimited, ATB Advantage, Generation™ No-Fee All-In DigitalⓇ, Freedom account, Students First), and/or Springboard Savings account and/or any personal ATB Mastercard (including ATB Gold Cash Rewards Mastercard, ATB Gold My Travel Rewards Mastercard, ATB Gold My Rewards Mastercard, ATB World Elite Mastercard, ATB Preferred Fixed-Rate Mastercard, ATB Preferred Variable-Rate Mastercard, ATB Alberta Mastercard, ATB US Dollar Mastercard), and/or unsecured lending product (including Personal Loan, Investment Express Loan, RRSP Max-ItⓇ Loan or Personal Line of Credit, Students First Line of Credit, Apprenticeship Line of Credit, Professional Students Line of Credit) in the previous 3 years from the first eligible account opening.
- Clients must provide a valid email address. This will be used to communicate the status of qualification criteria and payout.
- The ATB products must remain active and be in good standing. Chequing account must not be in an unauthorized overdraft or in delinquent status, at the time the cash payout is paid.
- All ATB products included in this offer must be opened within one 60-day period, which begins when you open your first eligible product.
- Open the first eligible ATB account (chequing account) between July 23, 2025, and November 28, 2025. Offer may be withdrawn at any time.
- ATB Essentials Baking Offer:
- Step 1 cash payout of $100.00: Open a new Freedom or a No-Fee All-In Digital Account + a new Springboard Savings Account (both must meet account qualifying eligibility criteria)
- Step 2 10,000 welcome bonus points ($50.00 value): Add an ATB Gold My Rewards Mastercard
- Step 3 for an additional cash payout of $100.00: MUST open all products in Step 1 + Step 2 + Add Personal Loan (Secured or Unsecured Time Plan Personal Loan) or Line of Credit (Students First Line of Credit, Apprenticeship Line of Credit, Home Equity Line of Credit, Flex Home Equity Line of Credit™). If you have opened a No-Fee All-in Digital Account in Step 1, no additional loan or line of credit is required.
Step 1 Eligibility Requirements
Freedom Account or No-Fee All-In Digital Qualifying Eligibility Criteria:
- A direct deposit must be made within 60 days of chequing account opening and maintained for a minimum of 90 days.
- Client must be an active user of ATB Personal. Active is defined by logging into ATB Personal or Web at least once every 30 days.
Springboard Savings Account Eligibility Qualifying Eligibility Criteria:
Client must open a new Springboard Savings account during first 60 days of opening the first eligible product and complete one of the following:
- Have a minimum of $25.00 monthly pre-authorized transfer with the first transaction processed within 60 days of the first eligible product opening. This must be maintained for 90 days. The Pre-authorized Transfer (PAT) must occur either weekly, biweekly, monthly, or twice per month.
OR - Deposit a total of $250.00 or more into the Springboard Savings Account within the 60 days of the first eligible product opening and maintain a daily closing balance of $250.00 or more at all times for an additional 90 days.
Step 2: Mastercard Requirements
The 10,000 welcome bonus points ($50 value) will be applied to the client’s ATB My Rewards account within 60 days after the first eligible purchase on the ATB Gold My Rewards Mastercard. Welcome bonus offer available on new ATB Gold My Rewards Mastercard accounts where the cardholder has not had a previous ATB Gold My Travel Rewards Mastercard. Standard qualifying criteria applies. This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply. Review terms and conditions HERE.
Step 3: Personal Loan or Personal Line of credit
- Minimum $5000.00 advanced limit.
- Based on approved credit.
- Interest rates are subject to change at any time without advance notice.
- *No-Fee All-in Digital Account includes line of credit, no additional loan or line of credit is required.
OtherAny Personal Retail Mastercard (ATB World Elite, ATB Gold My Rewards, ATB Gold Cash Rewards, ATB Preferred Fixed-Rate, ATB Preferred Variable-Rate, ATB Alberta Mastercard, ATB US Dollar Mastercard) qualifies for step 2 criteria with the exception of Load & GoⓇ Prepaid Mastercard.
If other offers are in market during ATB Adulting Essentials, ATB Essentials, and ATB Essentials Plus Banking Offer, they cannot be combined with any chequing account fee waivers unless otherwise stated.
Client has 270 days after the initial account opening to notify ATB if you believe you qualify for the ATB Essentials cash payout and have not received the cash and bonuses, so that we can verify your eligibility.
ATB may change, extend or withdraw the Banking Offer (ATB Adulting Essentials, ATB Essentials, ATB Essentials Plus) at any time without notice.
ATB reserves the right, at our sole discretion, to suspend, disqualify, limit or revoke the Offer(s) for any client we suspect of manipulating or abusing the ATB Essentials Banking Offer.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Used under licence.