18-25? Get a new client offer up to $250*.
It’s giving good with money. Your financial journey starts here when you open a no monthly fee chequing account and credit card as a new ATB client.
Get your $250*Let’s get you $250*.
Open your accounts
Open a Generation Account™ and ATB Gold My Rewards Mastercard® and follow these simple steps to earn up to $250* in cash and value.
Open the package to qualify
Set up chequing
Move your direct deposit and complete two eligible payments* within 60 days to earn your first cash bonus.
Activate credit card
Make a purchase to get your welcome bonus. Then, meet the spend goal and make one credit card payment from your new chequing account within 60 days to unlock your second cash bonus.*
Earn rewards without paying fees and get $250.* Click "Open package" to qualify.
More reasons to bank with ATB
We’ve been part of the community and serving Albertans since 1938. It’s banking for every Albertan.
No monthly fees just entered the chat
If you’re looking for no monthly fees and no stress, the ATB Adulting Essentials package has the chequing account and credit card you need.
Build credit while earning rewards
Earn points with necessities like groceries and gas. You can even use your points to pay down your credit card bill or redeem for gift cards.
Bank anytime
Between the most locations in Alberta and our seamless online and mobile banking you can access banking wherever and whenever it works best for you.
Guaranteed deposits
With ATB Financial’s Deposit Guarantee, all deposits are fully guaranteed by the Province of Alberta.
Get your offer of up to $250*
Set up your finances with a foundational package that takes out the guesswork, and the fees.
Offer breakdown
This offer is for Albertans who are new to ATB. You qualify if you*:
- Be between 18-25 years old and a resident of Alberta.
- Haven't had an ATB chequing account, savings account, Mastercard, or personal loan with us in the last 3 years.
- Open a new eligible chequing account during the offer period and provide a valid email address so we can keep you updated on your bonus status.
- Keep your accounts active and in good standing for at least 12 months.
Note: This offer is limited to one per person. Upgrading or transferring an existing ATB account does not qualify.
Step 1: Open your package
To qualify, you must open the ATB Adulting Essentials package. You must open your eligible accounts first—your 60-day qualification window starts the day you open your Generation Account account and or ATB Gold My Rewards Mastercard.
Step 2: Set up your chequing account and get $100* cash
Complete these two milestones within 60 days of opening your Generation Account:
- Set up direct deposit: Receive a recurring deposit of $350 or more (such as payroll from your job or a government student grant). You must receive at least one deposit per month for two months in a row. Learn how to set up direct deposits here.
- Make two payments ($50+ each): Complete two qualifying transactions. You can mix and match bill payments (like your phone or credit card bill) and pre-authorized debits (like rent). Learn how to pay your bills here.
Step 3: Activate your Mastercard and get an additional $150* in cash and value
To earn the full bonus, your ATB Gold My Rewards Mastercard must be opened at the same time as or after your new Generation Account, then complete your credit card tasks within 60 days of opening your ATB Gold My Rewards Mastercard:
- Get your welcome points*: Make your first purchase to receive your 10,000 welcome reward points (a $50 value*).
- Meet the spend goal: Spend a total of $700 within 60 days of opening your new credit card (remember your date opened is not the activation date)
- Connect your accounts: Make at least one payment to your Mastercard balance from your new Generation Account.
Important things to know:
- Total value: Completing Step 2 earns you $100. Completing both Step 2 and Step 3 unlocks the full $250* package value.
- Account age: The Generation account is for Albertans aged 25 and under
- Stay eligible: Keep your accounts open and in good standing for at least 12 months to keep your bonus.
- Check your email: Make sure your email address is correct in your profile so we can send you updates on your bonus status.
Not necessarily! You can choose the path that works best for you:
You can start your ATB journey however you feel most comfortable:
- Online: Visit shop.atb.com to apply in minutes.
- In-Person: Visit any ATB branch location across Alberta.
- With an advisor: Book an appointment with an everyday banking advisor to walk through your options.
Cash Bonuses: Once you've met the requirements* (like your monthly direct deposits or Mastercard spend requirement), we’ll deposit the cash directly into your eligible Generation Account. You can expect to see your bonus within 60 days of meeting all the offer criteria.
Mastercard Welcome Points: For the ATB Gold My Rewards Mastercard, your welcome points will be credited to your rewards account after your first purchase*.
Stay Notified: Keep an eye on your inbox! We’ll email you to confirm when your bonus has been deposited.
Get started on “good with money”.
Get your ATB Adulting Essentials
Your no fee bank account and credit card awaits.
Speak to an expert
An everyday banking advisor will help find the best solutions for you.
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Find Chequing Account and Mastercard Bonus Terms and Conditions HERE
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Offer available on new ATB Gold My Rewards Mastercard accounts where the cardholder had no previous ATB Gold My Rewards Mastercard. 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. This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply.
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Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $10,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 1.5 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.
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Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $10,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 1.5 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.
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* Find Chequing Account and Mastercard Bonus Terms and Conditions HERE
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Interac e-Transfer is a registered trademark of Interac Corp. Used under licence.
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Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
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Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Used under licence.