All-inclusive banking to keep more of your money in your pocket.
Claim your new client bonus.
Get our chequing account offer with an ATB Advantage Account for $400* cash. Move your direct deposit and complete two eligible payments within 60 days to earn your cash bonus.
Get $400* cashPremium package
Unlimited everyday banking transactions with premium banking benefits.
Waive your monthly fee
Your monthly account fee is waived if you maintain a minimum daily balance of $6,000.
Waive fees on premium cards
Each year, save the $120 annual fee on the ATB World Elite Mastercard®and $19 on the ATB US Dollar Mastercard.1
Perks
Get a reduction of up to 2.5% on approved interest rates for personal lines of credit (the minimum rate you can get is Prime +3%).2
More perks
Free Alberta Lifestyle cheques, bank drafts and stop payments.
Save $12 off the annual fee for a safety deposit box.
Protect your balance
Apply for optional Overdraft Protection and provide a cushion for unexpected changes to your balance. Pay only if you use it.4
Key product details
| Monthly fee | $24.95 |
| Monthly fee waived if | Minimum $6,000 daily balance |
| Interac e-Transfer® | Unlimited, free |
| Interac e-Transfer Request Money | Unlimited, free |
| Global Transfers |
$50 - $999.99: $5 CAD $1,000 - $10,000: Free Special countries: $15 CAD |
| Alberta Lifestyle Cheques | Free |
| Bank Draft | Free |
| Stop Payment service | Free |
| New clients: Boost your chequing account bonus with a Mastercard® |
1. Open an ATB Advantage Account and earn $400 by moving your direct deposit and completing two eligible payments* within 60 days of opening your account. 2. Open a World Elite Mastercard at the same time and earn an extra $500* by meeting the spend requirement and making one credit card payment from your new chequing account within 60 days of opening your Mastercard. Open the package to maximize value. Compare banking packages. |
Frequently Asked Questions
Yes, you can. The ATB Advantage Account can be a joint account, and applications can be done online.
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 five withdrawals per month.
Travelling 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.5
After you've applied and been approved for overdraft protection, you won't pay for it unless you decide to use it. If Overdraft Protection is used, only monthly interest will be charged. Interest is calculated daily on the daily closing overdrawn balance at 17.25% per annum, charged and payable monthly.4
Overdraft Protection is only available by application and on approved credit.
This offer is for Albertans who are new to ATB. You qualify if you*:
- Are at least 18 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.
To earn your cash bonus of $400*, simply open an ATB Advantage Account and complete these two steps within 60 days of opening your account:
1. Set up your recurring direct deposit of $350 or more (like your payroll, pension, or government deposits). To qualify, you’ll need to receive at least one deposit per month for two months in a row.
2. Make two eligible payments. Complete at least two payments of $50 or more each. You can mix and match from the following:
- Bill payments: Pay your utilities, internet, or phone bill.
- Pre-authorized debits: Set up automatic payments for things like your car insurance, gym membership, or credit card bill.
When will I get my bonus? Once you've met the requirements, we’ll deposit the cash directly into your eligible ATB chequing account. You can expect to see your bonus within 60 days of meeting all the offer criteria.
Want to earn $500* more in cash & value? After opening your ATB Advantage Account open an ATB World Elite to earn an extra $500* by meeting the spend requirement and making one credit card payment from your new chequing account within 60 days of opening your Mastercard. Learn more here.
Ready to get started?
With the ATB Advantage Account, you get all-inclusive banking for less, so you keep more money in your pocket.
Find the right unlimited chequing account for you.
Bank without limits
Unlimited Account
Unlimited transactions and flexible overdraft protection for a low monthly fee.
Bank with an advantage
ATB Advantage Account
For all Albertans 25 and under
Generation Account™
Whether you're a student, working, or just starting out, all Albertans 25 and under can save, spend and transfer for no monthly fee.
All-in free digital banking
No-Fee All-In Digital Account®
Get a line of credit and chequing account in one, with no-fee digital banking.
Reap well-earned rewards
Freedom Account
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Our standard interest rates are 19.90% on purchases and 21.90% on cash advances. Click here to view complete rate and fee schedule. Offer subject to credit approval. If you already have an ATB US Dollar MasterCard, or ATB World Elite MasterCard please contact us to initiate the assessment and application of the fee waiver.
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Rate is variable and based on ATB's prime lending rate, which is subject to change without notice. Interest is calculated daily on the daily closing balance, charged and payable monthly at the month end. Our current prime rate is posted here. Offer subject to credit approval. If you have an existing personal line of credit, please contact us to initiate the assessment and application of any qualifying interest rate reduction.
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Applicable on new 3 to 5-year non-redeemable GIC RRSP and TFSA accounts, a one-time bonus rate will be applied up to a maximum of $25,000.00 as the total of each investment (i.e. if the account has more than $25,000 in it, the bonus rate only applies to the first $25,000). Bonus rate not available for promotional products and cannot be combined with other promotional offers.
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On approved credit. You pay the greater of $4.00 or monthly interest only if overdraft protection is used. Interest is calculated daily on the daily closing overdrawn balance at 17.25% per annum, charged and payable monthly.
For the ATB Advantage Account, you pay only monthly interest if overdraft protection is used. -
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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Related documents: ATB Personal Account Agreement (PDF), Additional Services & Associated Charges (PDF)
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Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
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Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used under license.
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Cirrus is a registered trademark of Mastercard International Incorporated. Used under license.
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* Find Chequing Account and Mastercard Bonus Terms and Conditions HERE