Move your registered accounts. Get up to $10,000.*
Transfer your registered accounts to ATB to earn guaranteed returns and a cash bonus. Your savings can be split between accounts but your bonus will be deposited as one payment.
Get startedHow to earn your cash bonus.
Choose from these registered accounts
Split your investments between more than one eligible account and work towards multiple goals, while earning the bonus.
TFSA
- Save tax-free
- No fee Tax-Free Saver Account
- Invest in a GIC and earn up to 3.70%
RRSP
- Tax-deductible benefits
- No fee RRSP Daily Interest Account
- Invest in a GIC and earn up to 3.70%
FHSA
- Tax-free growth
- No fee FHSA Daily Interest Account
- Invest in a GIC and earn up to 2.00%
Get more than just a cash offer.
| Benefits | What this means for you | How we are different |
|---|---|---|
| Accessible starting deposit and high bonus potential | You don’t need to break the bank to get started, but the more you move, the more you earn. | Other competing offers start with a higher qualifying transfer to earn. |
| Save for multiple goals | Your money can be spread between an RRSP, TFSA and FHSA, so you can fund multiple goals at once. | Your bonus is based on the total investment you make across all eligible registered accounts. |
| Guaranteed returns | Your savings grow and you get the returns you want, with no market risk. | All deposits are fully guaranteed by the Province of Alberta. |
| One easy payout | Have your cash bonus deposited directly in your chequing account. | Your money won’t be paid out in installments. |
| Advice from advisors | Stuck in an endless chatbot loop trying to get answers? Not so with ATB. | Book online or visit a branch to connect with an advisor. |
See how much you could earn.
| Deposit or balance amount | Cash bonus |
|---|---|
| $10,000 to $19,999.99 | $100 |
| $20,000 to $29,999.99 | $200 |
| $30,000 to $39,999.99 | $300 |
| $40,000 to $49,999.99 | $400 |
| $50,000 to $74,999.99 | $500 |
| $75,000 to $99,999.99 | $750 |
| $100,000 to $149,999.99 | $1,000 |
| $150,000 to $199,999.99 | $1,500 |
| $200,000 to $349,999.99 | $2,000 |
| $350,000 to $499,999.99 | $3,500 |
| $500,000 to $749,999.99 | $5,000 |
| $750,000 to $999,999.99 | $7,500 |
| $1,000,000 or more | $10,000 |
Frequently asked questions
Transfers into an ATB RRSP Daily Interest Account, First Home Savings Account Daily Interest Account, or Tax-Free Saver Account qualify for the cash back offer. Clients transferring funds into these eligible registered accounts may also allocate or move those funds into an eligible Guaranteed Investment Certificate (GIC).
No, transfers can be combined from different accounts and financial institutions across the three eligible registered accounts (RRSP, TFSA and FHSA) to reach the $10,000 minimum.
You can still take advantage of the offer as long as you transfer $10,000 or more from a registered account from another financial institution into an eligible ATB account.
You can not move funds from existing ATB Financial, ATB Wealth, or ATB Daily Interest accounts to qualify for this offer.
No, funds must come from registered accounts at another financial institution to qualify.
No, qualifying funds can be transferred into any combination of eligible ATB registered account types (TFSA, RRSP, or FHSA), regardless of the account type held at your previous financial institution.
Important Tax Note: While the offer permits cross-account transfers, standard CRA rules still apply. Transferring between different registered account types (such as moving funds from an RRSP into a TFSA) may trigger taxable withdrawals or require available contribution room. Clients are responsible for monitoring their personal CRA limits.
To qualify for the cash bonus offer, you need to transfer a net total of $10,000 in registered funds from another financial institution. This total can be spread across up the three eligible registered accounts (TFSA, RRSP, FHSA).
Book a meeting with an ATB team member between October 19, 2026, and March 1, 2027 to get started.
Important Note: Self-service transfers completed independently through online or mobile banking do not qualify for this offer.
Bring all relevant paperwork, including recent account statements from the financial institution(s) you are transferring funds from. Check your current TFSA, RRSP, or FHSA contribution room so you can transfer funds safely without tax penalties. Come prepared to discuss your investment objectives and any questions you may have.
- October 19, 2026 – March 1, 2027 (Offer Period): Connect with an ATB team member to start your transfer into an eligible registered account.
- March 31, 2027: Deadline for all transferred funds.
- February 29, 2028 (Hold Period): Keep your funds here until this date to qualify.
- March 1–31, 2028 (Payout Window): ATB will deposit your cash bonus and possible $150 transfer fee reimbursement directly into your ATB chequing account.
The bonus will be calculated based on the net cumulative value of eligible external funds transferred into any or all of the three eligible ATB registered accounts (TFSA, RRSP, FHSA) as of February 29, 2028.
Your bonus will be deposited directly as one payment into your eligible ATB chequing account between March 1, 2028, and March 31, 2028. Eligible chequing accounts include the ATB Advantage, Unlimited, Basic, Generation, and No-Fee All-In Digital accounts.
Cash bonuses are not classified as interest income and therefore, will not generate a T5 tax slip.
Transferred funds must remain in your eligible registered account(s) until February 29, 2028. Any withdrawals or external transfers made before February 29, 2028, will be subtracted from your total qualifying transfer amount, which may reduce your final cash bonus tier. If withdrawals reduce your net qualifying balance below $10,000, you will no longer qualify for a bonus.
Yes, but withdrawals made before February 29, 2028, will reduce your final net qualifying balance and may lower your cash bonus tier. If withdrawals reduce your net qualifying balance below $10,000, you will no longer qualify for a bonus. Note: Withdrawals are subject to the specific terms and redeemability rules of your specific investment product(s).
If you close or transfer out your eligible registered investment account before February 29, 2028, you will forfeit your cash bonus.
ATB will cover up to $150 as a transfer fee reimbursement. It will be combined with your bonus and paid out between March 1, 2028 and March 31, 2028 into your active ATB chequing account.
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The Offer
The ATB Financial FY27 Registered Deposit Offer (the “Offer”) runs from October 19, 2026, to March 1, 2027 (the “Offer Period”). By participating in this Offer, eligible clients can earn a one-time cash bonus ranging from $100 to $10,000 depending on the cumulative net value of external funds transferred into eligible ATB Daily Interest (DI) registered accounts during the Offer Period, subject to the conditions outlined below. Transfer requests must be formally initiated through ATB (via an ATB team member) between October 19, 2026, and March 1, 2027, and received by ATB no later than March 31, 2027, to qualify. Clients transferring funds into DI registered accounts may also allocate or move those funds into an eligible Guaranteed Investment Certificate (GIC) while remaining eligible for the Cash Bonus.
Eligibility Criteria
This Offer is open to Canadian residents who have reached the age of majority in Alberta and hold a new or existing eligible ATB Registered Daily Interest account. Eligible DI account types include Tax-Free Saver Account, Registered Retirement Savings Plan Daily Interest Account, and First Home Savings Account. RRSP Builder accounts are excluded from this Offer. This Offer is available exclusively to individual account holders; joint account ownership is strictly excluded for this Offer.
To qualify for a Cash Bonus, clients must transfer a minimum cumulative net amount of $10,000 (across up to three eligible DI accounts) in registered funds from one or multiple external financial institutions into up to three (3) eligible ATB DI account types during the Offer Period. Qualifying funds may be transferred into any combination of eligible ATB registered account types (TFSA, RRSP, FHSA), regardless of the registered account type held at the transferring financial institutions. Internal transfers from existing ATB Financial, ATB Wealth, or ATB Daily Interest accounts are strictly excluded. Clients are solely responsible for monitoring their personal CRA contribution and transfer limits across all registered plans. ATB Financial assumes no responsibility or liability for any tax penalties or excess contribution charges incurred.
Qualifying Bonus Tiers
Cash bonuses are classified as a cash bonus (not interest income) and will not generate a T5 tax slip from ATB Financial. Bonuses are calculated based on the total cumulative net transfer-in amount aggregated across all eligible registered accounts per client during the qualification period:
- $10,000 to $19,999.99: $100 Cash Bonus
- $20,000 to $29,999.99: $200 Cash Bonus
- $30,000 to $39,999.99: $300 Cash Bonus
- $40,000 to $49,999.99: $400 Cash Bonus
- $50,000 to $74,999.99: $500 Cash Bonus
- $75,000 to $99,999.99: $750 Cash Bonus
- $100,000 to $149,999.99: $1,000 Cash Bonus
- $150,000 to $199,999.99: $1,500 Cash Bonus
- $200,000 to $349,999.99: $2,000 Cash Bonus
- $350,000 to $499,999.99: $3,500 Cash Bonus
- $500,000 to $749,999.99: $5,000 Cash Bonus
- $750,000 to $999,999.99: $7,500 Cash Bonus
- $1,000,000 or more: $10,000 Cash Bonus
Active Chequing Account Banking Requirements
To receive the Cash Bonus payout, qualifying clients must open or maintain any active ATB chequing account in good standing at the time of bonus distribution. Payouts will only be deposited into the following eligible chequing account types: ATB Advantage, Unlimited, Basic, Generation and No-Fee All-In Digital accounts.
Retention & Hold Period
All external funds transferred in to qualify for this Offer must remain in the eligible registered account(s) until February 29, 2028. The final Cash Bonus amount will be calculated based on the net cumulative value of eligible transferred funds remaining in the account through February 29, 2028 (total qualifying external transfers-in minus any withdrawals or external transfers-out made during the offer and retention period). If withdrawals reduce the cumulative net amount below $10,000, the client will be disqualified from receiving a Cash Bonus.
Transfer Fee Reimbursement Policy
ATB Financial will provide a flat $150 reimbursement per client for external transfer-out fees incurred at another financial institution on qualifying account transfers valued at $10,000 CAD or greater initiated during the Offer Period. Eligible transfers will be tracked and qualified.
Payout & General Terms
The Cash Bonus and any applicable $150 transfer fee reimbursement will be combined and will be credited directly to the client's active ATB chequing account as a single, one-time lump-sum payment between March 1, 2028, and March 31, 2028. Early payouts will not be issued prior to this set period. Limit of one (1) Cash Bonus payout per client, provided all qualification criteria conditions are met. Offer cannot be combined with any other promotional deposit or transfer offers unless explicitly authorized by ATB Financial. ATB Financial reserves the right, in its sole discretion, to cancel, terminate, modify, extend, or suspend this Offer, or amend these Terms & Conditions, in whole or in part, at any time without prior notice.