Smart Start Unlimited Account

Set yourself up for success in Alberta with unlimited transactions and no account fees for the first year.

Talk to a helpful ATB team member to learn more and open an account.

Details

Overview

This account is for permanent residents who have moved to Canada within the past five years.

For no monthly fee for the first year, you can get a bank account with unlimited transactions, as well as free overdraft protection. (Overdraft protection helps you if you spend more than you have in your account.) Plus, you can withdraw up to $1,000 of your money with no waiting period after you deposit a cheque.

Learn more about opening a Canadian bank account >

Pricing

  • Monthly Fee
    Free for the first year. $9.95/month after the first year.
  • Fee Waived If
    • Maintain a minimum monthly balance of $2,500 each day.
  • INTERAC e-Transfer
    Free to send and to receive.
  • Global Transfers

    Transfer of $50–$999.99: $8.06
    Transfer of $1,000–$1,999.99: $7.16
    Transfer of $2,000–$2,500: No fee
    Transfer to special countries: $18.00
    See all countries and fees >

  • ABM Fees
    • Free ABM transactions at any ATB branch in Alberta.
    • Need to withdraw cash at an ABM when travelling outside Alberta? We'll reimburse you $4.50 per withdrawal for up to 2 transactions each month. The reimbursement has been designed to cover our standard fee of $1.50 per withdrawal at non-ATB ABMs as well as the typical fee you agree to pay when withdrawing money at a non-ATB ABM (this is typically $3.00 and can vary).
    • Travelling outside of Canada? Withdraw cash at any ABM in the Cirrus network for a fee of $5.00 per transaction (this does not include fees you may agree to pay when making the withdrawal at the non-ATB ABM).

Additional Information

  • Other features
    • Unlimited transactions
    • No fee for overdraft protection, unless used1
    • Free access to ATB Online Banking
    • Free access to ATB Mobile Banking
    • Unlimited telephone banking inquiries
  • Notes
    1. On approved credit. 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 19.25% per annum, charged and payable monthly.

Details

Overview

This account is for permanent residents who have moved to Canada within the past five years.

For no monthly fee for the first year, you can get a bank account with unlimited transactions, as well as free overdraft protection. (Overdraft protection helps you if you spend more than you have in your account.) Plus, you can withdraw up to $1,000 of your money with no waiting period after you deposit a cheque.

Learn more about opening a Canadian bank account >

Pricing

  • Monthly Fee
    Free for the first year. $9.95/month after the first year.
  • Fee Waived If
    • Maintain a minimum monthly balance of $2,500 each day.
  • INTERAC e-Transfer
    Free to send and to receive.
  • Global Transfers

    Transfer of $50–$999.99: $8.06
    Transfer of $1,000–$1,999.99: $7.16
    Transfer of $2,000–$2,500: No fee
    Transfer to special countries: $18.00
    See all countries and fees >

  • ABM Fees
    • Free ABM transactions at any ATB branch in Alberta.
    • Need to withdraw cash at an ABM when travelling outside Alberta? We'll reimburse you $4.50 per withdrawal for up to 2 transactions each month. The reimbursement has been designed to cover our standard fee of $1.50 per withdrawal at non-ATB ABMs as well as the typical fee you agree to pay when withdrawing money at a non-ATB ABM (this is typically $3.00 and can vary).
    • Travelling outside of Canada? Withdraw cash at any ABM in the Cirrus network for a fee of $5.00 per transaction (this does not include fees you may agree to pay when making the withdrawal at the non-ATB ABM).

Additional Information

  • Other features
    • Unlimited transactions
    • No fee for overdraft protection, unless used1
    • Free access to ATB Online Banking
    • Free access to ATB Mobile Banking
    • Unlimited telephone banking inquiries
  • Notes
    1. On approved credit. 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 19.25% per annum, charged and payable monthly.
  • Contact Us
  • 1-844-642-7940
  • Monday - Friday 9am - 6pm
  • Saturday 9am - 5pm

Important Information

Talk to a helpful ATB team member to learn more and open an account.