Chequing Accounts

The No-Fee All-In Digital Account®
+ free movies
= one easy decision

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Get started

A great deal for digital bankers

With no monthly fee, unlimited digital transactions, and a line of credit (LOC), this account is a perfect fit for those who do all their banking online.

Plus, qualify on or before March 31, 2020 and get a free Landmark Cinemas Movie 10-Pack Card! Terms and conditions apply. Offer only available for the first 750 new, approved No-Fee All-In Digital Accounts.¹

All of what you want. None of what you don’t.

The free movies

Qualify for a new No-Fee All-In Digital account on or before March 31, 2020 and get a free Landmark Cinemas Movie 10-Pack Card.¹

The linked line of credit

The No-Fee All-In Digital Account® comes with a $5,000-$50,000 line of credit.² To qualify for the account, you need to qualify for the line of credit.

Make money on your balance

Earn interest when you have $1,000 or more in your account.³

Features

The "No-Fee" part

Unlimited digital transactions, including Interac e-Transfer®, for no monthly fee. No minimum balance required.

The “All-In” part

Bank, borrow and save with one account. Access extra cash with the built-in line of credit.²

Key product details

Monthly fee $0
Interest earned 0.25% on balances $1,000 and over3
Line of Credit limit $5,000 - $50,0002
Interac e-Transfer® Unlimited, free
Interac e-Transfer Request Money $1.50 each
Global Transfers $50 - $999.99: $5 CAD
$1,000 - $5,000: Free
Special countries: $15 CAD
Non-digital transaction
(in-branch) fees
$5.00 each (plus fees for additional services & associated charges where applicable)

Ready to get started?

Can't recall the last time you went into a bank? Hate fees? You spoke, we listened and created a hassle-free digital account. (With free movies for a limited time!) 

Frequently asked questions

From March 1–31, 2020, the first 750 customers to qualify for a new No-Fee All-In Digital Account in-branch or through Client Care will receive a free Landmark Cinemas Movie 10-Pack Card.

This offer is only open to Alberta residents over 18 years old who do not currently have 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.

This is a digital account, so if you choose to go in-branch or call our Customer Care team for something you could have done digitally (like deposits, withdrawals, bill payments, transfers or checking your balance), either online or from an automated banking machine (ABM), there will be a $5 fee per transaction. For complete details, see Additional Services and Associated Charges (PDF). 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 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 to the Additional Services and Associated Charges (PDF).

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 $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.⁴

Need help?

Our Client Care team will be happy to assist.