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No-Fee All-In Digital Account®
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Fee freedom for digital bankers
Unlimited digital transactions.
Get unlimited digital transactions, including free Interac e-Transfer®, for no monthly fee. No minimum balance required.
No monthly fees.
Enjoy a free chequing account when you bank online or with our app.
Linked line of credit.
The No-Fee All-In Digital Account® also comes with a $5,000-$50,000 line of credit.1 You will need to qualify first for the line of credit in order to open the account.
Key product details
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Monthly fee
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$0
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Line of credit limit
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$5,000 - $50,000
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Transactions
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Unlimited digital transactions
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Interac e-Transfer®
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Unlimited, free
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Interac e-Transfer® Request Money
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Unlimited, free
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Monthly electronic statement
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Free
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Global Transfers
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$50 - $999.99: $5 CAD
$1,000 - $10,000: Free Special countries: $15 CAD |
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Non-digital transaction (in-branch) fees
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$5.00 each
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On approved credit. You need to meet our lending criteria, and some conditions and restrictions apply. While you may ask for a certain credit limit, ATB will set your limit depending on what we can approve for you. The approved interest rate is variable and based on ATB’s prime rate. For more information and terms and conditions, call us at 1-800-332-8383 or consult the ATB Financial Personal Line of Credit Terms and Conditions.
Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
Ready to get started?
A hassle-free digital-only account—complete with a linked line of credit.
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Frequently asked questions
Along with a credit check, you'll need to provide:
- Your total income
- A list of your assets (the stuff you own) and liabilities (the stuff you owe)
- Your current rent or mortgage expenses
You must qualify for the line of credit in order to get the No-fee All-in Digital Account. You can look at a joint application to help qualify. Alternatively, find another Chequing Account that meets your transactional needs.
Make the minimum monthly interest payment on the line of credit or pay more—up to the entire balance. There's no deadline or a fixed term to repay the principal back.
This digital account has no fees for online or ABM transactions. However, a $5 fee applies to in-branch or Client Care assisted transactions over the phone and to cashed cheques. Free online and ABM transactions include deposits, withdrawals, bill payments, transfers, mobile pay, mobile cheque deposit, ABM cheques or checking your balance.
Telephone banking transactions are free, except for manual bill payments which cost $1.25 each.
In addition, if you use the line of credit, you will have to pay interest on any outstanding balance.
For complete details, see Additional Services and Associated Charges (PDF).
Yes. Once approved for the No-Fee All-In Digital Account®, you will receive an ATB Visa Debit card—allowing you to make online purchases with no additional fees.
In-branch transactions that aren't part of routine banking for most people (such as bank drafts and in-branch transactions in USD or CAD) will be charged a fee according the Additional Services and Associated Charges (PDF).
For the purposes of this account, an "in-branch" transaction is one you do at the teller, face-to-face, or over the phone with our Client Care team. In-branch transactions don't include withdrawals or deposits from ATB ABMs.
Within Alberta, you pay regular fees at non-ATB ABMs. You should be notified of these fees and prompted to approve them before proceeding with the transaction.
Withdraw cash at any ABM outside Alberta, but within Canada, on our dime. We'll reimburse up to $4.50 per withdrawal for up to two withdrawals per month.
Traveling outside of Canada? Withdraw cash at any ABM on the Cirrus® network for a fee of $5 per withdrawal (this does not include fees you may agree to pay when making the withdrawal at the non-ATB ABM).We'll reimburse $8 for one withdrawal each month at ABMs in the US.2
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On approved credit. You need to meet our lending criteria, and some conditions and restrictions apply. While you may ask for a certain credit limit, ATB will set your limit depending on what we can approve for you. The approved interest rate is variable and based on ATB’s prime rate. For more information and terms and conditions, call us at 1-800-332-8383 or consult the ATB Financial Personal Line of Credit Terms and Conditions.
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ABM withdrawals are converted to Canadian dollars using an exchange rate 2.5% above the exchange rate set by Mastercard International Incorporated (which operates the Cirrus® ATM Network). Some transactions may take a few days to be processed. You’ll be charged the applicable exchange rate on the day your transaction goes through your account, not necessarily the rate on the day you made the transaction.
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On approved credit. You need to meet our lending criteria, and some conditions and restrictions apply. While you may ask for a certain credit limit, ATB will set your limit depending on what we can approve for you. The approved interest rate is variable and based on ATB’s prime rate. For more information and terms and conditions, call us at 1-800-332-8383 or consult the ATB Financial Personal Line of Credit Terms and Conditions.
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Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
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Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
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Cirrus is a registered trademark of Mastercard International Incorporated. Used under license.
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No-Fee All-In Digital Account is a trademark of ATB Financial.