Opening requires approval for an attached $5,000 to $50,000 line of credit. Digital activity is included, while assisted branch, Client Care, and cashed-cheque transactions generally cost $5.
ATM value depends on location: ATB machines are included, non-ATB withdrawals within Alberta are not reimbursed, and only limited reimbursements apply elsewhere in Canada and the US. Eligible deposits use Alberta's government guarantee rather than CDIC coverage.
Incoming and outgoing wire transfers are available for a fee. ATB's separately branded Global Transfers are not wire transfers and use different limits and pricing.
Features and access
Monthly cost and transactions
Normal monthly fee
$0The normal recurring monthly fee is $0 with no minimum-balance condition.
Transactions
UnlimitedUnlimited digital transactions are included; assisted transactions are charged separately.
Transfers
Interac e-Transfers
UnlimitedSending and Request Money transactions are unlimited and included.
Card and payments
Payment card
YesAn ATB Visa Debit card is included.
ATM and branch access
ATM access
YesATB ABMs are included. Non-ATB withdrawals within Alberta are not reimbursed; limited reimbursements apply elsewhere in Canada and the US while international charges apply.
Branch access
YesAssisted branch and Client Care transactions are available and generally cost $5 each.
Cheques and ownership
Cheque support
YesMobile and ATB ABM cheque deposits are included; assisted and cashed-cheque transactions generally cost $5.
Joint account
YesJoint applications are documented subject to approval for the attached credit line.
Interest
Interest rate
NoneThe deposit balance is not presented as interest-bearing; interest applies only when the attached credit line is used.
Deposit protection
Eligible ATB deposits are covered by the Alberta government guarantee under its applicable terms.
