Unrestricted day-to-day banking.
Break the limit
It's your money, do what you want with unlimited transactions. However you choose to bank, it's covered by a $15.95 monthly fee.
Ditch your monthly fee
The $15.95 monthly account fee is waived if you maintain a minimum daily balance of $4,000 throughout the month, or if you are a post-secondary student aged 26 or older with proof of enrollment.
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
New to ATB? Earn up to $400* with this account.
For a limited time new clients can earn up to $400* by opening an Unlimited Account with a Springboard Savings Account and completing the qualifying actions.
Open onlineKey product details
| Monthly fee | $15.95 |
| Monthly fee waived if | Minimum $4,000 daily balance or you are a post-secondary student with proof of enrollment |
| Interac e-Transfer® | Unlimited, free |
| Interac e-Transfer Request Money | $1.50 each |
| Global Transfers |
$50 - $999.99: $5 CAD $1,000 - $10,000: Free Special countries: $15 CAD |
Frequently Asked Questions
Yes, you can. The Unlimited 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 two 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.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 17.25% per annum, charged and payable monthly.1
Overdraft Protection is only available by application and on approved credit.
If you open your Unlimited Account online, you’ll need to connect with an ATB team member to provide proof of post-secondary student enrollment. You can do this by booking an appointment online, in-person or virtually, or by visiting any ATB branch.
If you open your Unlimited Account with an ATB team member, please have your proof of post-secondary student enrollment ready at the time you complete your account application.
Post-secondary students should be prepared to provide one of the following as proof of enrollment:
- Receipt for payment of tuition
- Letter of Enrollment or Proof of Enrollment from a qualifying post-secondary educational institution
- Legible copy of a student's timetable showing name, name of school, and dates of the term
Proof of enrollment can be provided to an ATB team member in these formats:
- Original copy
- Photocopy
- Faxed or scanned copy
- Legible picture of acceptable proof of enrollment taken via smartphone or camera
To maintain eligibility, students must provide verification of continued enrollment in a qualifying school when requested.
Ready to get started?
With the Unlimited Account, do as much or as little banking as you want. No need to limit your activity to avoid extra fees.
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
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.
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.
Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
Cirrus is a registered trademark of Mastercard International Incorporated. Used under license.