Begin banking with ATB. Explore our newcomer offers now
Flexible account options and free banking. Global transfers with low or no fees. Quick access to credit, with no credit history required.1
New to Canada Banking
Explore banking solutions tailored to fit the needs of newcomers in Alberta. We want to help you reach your financial goals faster.
Meet with usHow ATB can help you and your family
Reach your financial goals faster
Save money with free or low-cost banking solutions. Build credit with newcomer-friendly credit cards1 or line of credit2. Give your loved ones a boost with family banking solutions.
Manage money anywhere, anytime
With the most locations in Alberta, along with seamless online and mobile banking, ATB lets you conveniently access banking wherever and whenever it works best for you.
A deep connection to your new home
ATB has served Albertans for over 80 years. We care deeply about the prosperity of our province and everyone who calls it home. Our history and our commitment makes a difference you can feel.
Solutions tailored for newcomers like you
Find the right account
Select from no fee accounts, accounts for the family and accounts with exclusive benefits.
Choose a credit card
Start building your credit history in Canada—no credit history needed.1
Support loved ones anywhere
Send money outside Canada with free or low-fee Global Transfers. They’re fast, secure and easy.
New to Canada Line of Credit
Access funds when needed and build credit. Pay interest only on the money you spend.
Buy a home in Alberta
Find your first home with flexible mortgage options with ATB.
Invest in your future
No matter your savings goal, ATB can help you grow your money to get there.
Expert banking advice for newcomers
How to open a Canadian bank account
Find out what you need to open a bank account in Canada.
Read more
What newcomers should know about credit
Understand the basics of credit, why it matters and how to get it.
Read more
Sending money safely home from Canada
Compare methods for sending money outside Canada and what factors to consider.
Read more
Canadian banking terms explained
Find simple, helpful definitions of important banking words.
Read more
Build a strong credit score from scratch
Learn how to build a strong credit score as someone new to Canada.
Read more
Avoiding fraud in Canada as a newcomer
Scams often target newcomers. Knowledge is the best defence.
Read moreFor more helpful financial information and advice, visit the Newcomers to Canada section of our Good Advice page
Ready to get started?
Use our appointment booking tool to set up a meeting with an ATB personal banking advisor. You can pick the time and location that works best for you.
Frequently asked questions
You are eligible for ATB’s New to Canada Banking Solutions if you:
- Are a permanent resident, international student, temporary foreign worker or refugee and have landed in Canada five years ago or less (with proof of status).
- Live in Alberta.
To open a bank account with ATB you will need to book an in-branch appointment.
Most people will first open a chequing account for their day-to-day banking needs. To open a bank account with ATB you will need to book an appointment so we can verify your identity and Alberta residency. Use our appointment booking tool to select a time and location that is convenient to you. During this appointment, an ATB everyday banking advisor will ask you questions to help you find the account that works the best for you and your family.
For more details on how to open a bank account and what you should expect, check out “How to open a newcomer bank account in Canada.”
Please bring one of the following documents:
- A valid passport (any country)
- Canadian driver’s license
- Canadian government ID card
- Permanent Resident Card
To prove Alberta residency, please also bring one of the following documents:
- SIN Letter from Service Canada with your Alberta address dated within the last two years
- Alberta Health Care Insurance Plan card
- Form IMM1442/IMM1000—Study permit, work permit, temporary resident permit with your Alberta address
- Letter from post secondary school with your Alberta address dated within last two years
- One electronic or paper utility bill that has your name and Alberta address listed
- Dated lease agreement
- Alberta Driver’s License
Note: Other identification documents may be accepted or required. Please contact us for more details.
To apply for a credit card, please book an appointment to speak with an everyday banking advisor. They will help you complete an application and select a credit card that is right for you.
For more information on ATB's credit card options for newcomers, visit our credit card page.
Build Canadian credit with up to $10,0002. Access funds when needed and pay interest only on what you use. No credit history required for newcomers1. To learn more about this offering, visit our New to Canada Line of Credit page.
Job opportunities at ATB
ATB is always looking for our next great team member. Explore our current job openings and discover how you could join one of the Best Workplaces™ in Canada.
Find your career-
Subject to credit approval. To qualify, you must be a resident of Alberta (proof of residency required) and 18+. Your approval and the credit limit will be determined on ATB’s credit criteria, including income and credit history (if available).
-
*On approved credit. Terms and conditions apply.The information and/or offers contained herein is subject to change or be withdrawn at any time without notice.
Related documents: ATB Financial Personal Line of Credit Terms and Conditions (PDF)
Interest rates are subject to change at any time without advance notice.