No-Fee All-In Digital Account^®

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, check out the Unlimited Account, which offers some of the same benefits for a low monthly fee--or no monthly fee if you keep a minimum daily balance of $2,500 in the account throughout the month.

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 is a digital account, so if you choose to go in-branch or call our Client Care team for something you could have done digitally (like deposits, withdrawals, bill payments, transfers, sending money or checking your balance), either online or from an automated banking machine (ABM), there will be a $5 fee per transaction. This fee also applies to any cheques cashed from your account.

For telephone banking, all transactions are free except for manual bill payments ($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.

For everyday in-branch transactions that you could not do online or through an ABM--such as withdrawing USD cash--you won't be charged. In-branch transactions that aren't part of routine banking for most people (such as bank drafts) 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.³