Banking for people who know exactly what they need.

Use less for less

Your banking needs are modest, so your banking fees should be too. Get 15 debit transactions for a ​low monthly fee of $3.95.

Protect your balance

Apply for optional Overdraft Protection and provide a cushion for unexpected changes to your balance. Pay only if you use it.1

Get shared access

​Open this account jointly with another person. Share the assurance that you can access banking services when you need them.

Key product details

Monthly fee $3.95 for 15 debit transactions
Interac e-Transfer® $1.50 each
Interac e-Transfer Request Money $1.50 each
Global Transfers $50 - $999.99: $5 CAD
$1,000 - $10,000: Free
Special countries: $15 CAD
In-branch or electronic withdrawals or transfers $1.00 each
In-branch bill payments $2.25 each ($1.25 payment fee plus $1.00 withdrawal fee)
Cheques $1.00 each

Frequently Asked Questions

Only outgoing transactions count toward the Basic Account's 15 included transactions; deposits and incoming transfers are free. Bill payments, withdrawals, outgoing transfers and other outgoing banking transactions done through an ATB automated banking machine (ABM), calls to Client Care or through telephone banking or our digital platforms all count toward the 15 transactions included with the Basic Account.

Interac e-Transfer and Global Transfers are not included in these 15 transactions and have a standard fee associated with them.

If you think your online and mobile banking activity will exceed 15 transactions per month on a regular basis, you may want to consider the Unlimited Account or the No-Fee All-In Digital AccountTM.

If your regular banking activity exceeds 15 transactions per month, you will pay:

  • $1 for each in-branch withdrawal or transfer
  • $2.25 for each in-branch bill payment ($1.25 payment fee plus $1 withdrawal fee)
  • $1 per cheque
  • $1 for each electronic withdrawal or transfer

Transactions done through Client Care are considered as manual transactions, and the same charges as in-branch transactions apply. ABM and telephone banking transactions are considered as electronic transactions. Transactions via non-ATB ABMs will be charged an additional fee. For details, see Additional Services and Associated Charges.

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 you up to a maximum of $4.50 for one withdrawal each 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).2


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, there is a minimum charge of $4 or interest, whichever is greater. Interest is calculated daily on the daily closing overdrawn balance at 19.25% per annum, charged and payable monthly.1

Overdraft Protection is only available by application and on approved credit.


Ready to get started?

You know your banking needs. We'll help you meet them for less with the Basic Account.

Find the right basic chequing account for you.

Need help?

Our Client Care team will be happy to assist.

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