Bank with low to no fees and get a new client offer up to $400.*
How to claim your everyday banking offer.
Start with a chequing account for $250*
Open an Unlimited Account with low or $0 monthly fees. Plus, earn $250* when you switch your direct deposit and make two eligible payments* within 60 days.
Open chequing account online
Add a Mastercard® to get the full $400*
Open an ATB Gold My Rewards Mastercard® and meet the spend goal, then pay one credit card bill from your new chequing account within 60 days to unlock $400.*
Open banking package onlineOur most popular low-fee accounts and a $400* banking offer. Click “Open package” to qualify.
Find Chequing Account and Mastercard Bonus Terms and Conditions HERE
Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
Find Chequing Account and Mastercard Bonus Terms and Conditions HERE
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.
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.
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.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Used under licence.
More reasons to bank with ATB
Low fees, or even no fees at all.
With ATB’s Essentials, bank without limits with free, unlimited transactions for $15.95 a month, or no fees with a $4,000 daily balance. Plus, your included rewards Mastercard features no annual fee.
No limits on your credit card rewards.
Maximize your rewards with up to 3x points1, travel insurance, and purchase protection2. Earn points and redeem however you like, whether that’s for vacations, groceries, or paying down your card bill.
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.
Switch, save, and earn with ATB.
Low fees. Great rewards. Unlimited banking. Experience it all when you switch to ATB.
The details, made easy.
This offer is for Albertans who are new to ATB. You qualify if you*:
- Are 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 Essentials package. You must open your eligible accounts first—your 60-day qualification window starts the day you open your Unlimited Account and or ATB Gold My Rewards Mastercard.
Step 2: Set up your chequing account and get $250* cash
Complete these two steps within 60 days of opening your Unlimited 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: Use 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 Unlimited 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 Unlimited Account.
Important things to know:
- Total value: Completing Step 2 earns you $250. Completing both Step 2 and Step 3 unlocks the full $400* package value.
- 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:
- 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 goal), we’ll deposit the cash directly into your eligible Unlimited 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.
Choose how you want to switch
Apply for both accounts online
Get our top low-fee chequing and rewards credit card package together online.
Find your ideal banking package
Share your top banking priority to instantly see which account fits your life best.
Meet an everyday banking advisor
Set up all your new accounts in person during a single branch visit.
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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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Coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and/or American Bankers Insurance Company of Florida (ABIC). ABLAC and ABIC, their subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of the coverage including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card, and online at atb.com.
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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 license.
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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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Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Used under licence.