Unlimited Account

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 full-time 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 full-time post-secondary student enrollment ready at the time you complete your account application.

Full-time 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.

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 $250^*, simply open an Unlimited 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 $150^* more in cash & value? After opening your Unlimited Account open an ATB Gold My Rewards Mastercard to earn an extra $150^* 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.