ATB No-Fee All-In Digital Account

Overview

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 fees and transactions

Monthly fee: $0The normal recurring monthly fee is $0 with no minimum-balance condition.
Monthly transactions: UnlimitedUnlimited digital transactions are included; assisted transactions are charged separately.

Transfers

Monthly Interac e-Transfers: UnlimitedSending and Request Money transactions are unlimited and included.

Card and payments

Payment card: YesAn ATB Visa Debit card is included.

Cash and branch access

Cash deposits: Deposit-capable ATB ABMs + branchesPhysical-cash deposits are free at deposit-capable ATB ABMs. Assisted branch deposits normally cost $5; branch cash is available immediately, while ABM cash may be held until ATB verifies the deposit. ATB does not publish a universal cash-deposit limit, and some ATB ABMs are withdrawal-only.
Cash withdrawals: ATB + supported ABMsATB ABM withdrawals are included. Non-ATB withdrawals within Alberta are not reimbursed; limited reimbursements apply elsewhere in Canada and the US while international and operator charges can apply.
Branch access: YesAssisted branch and Client Care transactions are available and generally cost $5 each.

Cheques and ownership

Cheque writing: UnknownThe reviewed official material does not establish cheque writing for this account.
Cheque deposits: YesMobile and ATB ABM cheque deposits are included; assisted deposits 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.