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ATB Advantage Account

Get the benefit of a premium banking package for a flat monthly fee, or free if you keep a minimum monthly balance.

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Details

Overview

An all-inclusive package to simplify your banking and keep more of your money in your pocket. Get unlimited transactions, annual fees waived on our premium US Dollar MasterCards®, exclusive interest rate incentives and so much more. And if you keep a minimum monthly balance of $5,000, you don't pay the monthly account fee.

Pricing

  • Monthly Fee
    Flat fee of $21.95.
  • Fee Waived If
    • Maintain a minimum monthly balance of $5,000 each day and you don't pay the monthly account fee.
  • Interac Etransfer
    Unlimited Interac e-Transfers.
  • ABM Fees
    • Free ABM transactions at any ATB branch in Alberta.
    • Withdraw cash at any ABM when travelling outside of Alberta on our dime. We'll reimburse $4.50 per withdrawal for up to 5 transactions each month in Canada and $8.00 for 1 withdrawal each month in the U.S. The reimbursement has been designed to cover our standard fee for withdrawals at non-ATB ABMs ($1.50 each in Canada or $5.00 each outside of Canada) 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).

Additional Information

  • Other features
    • Unlimited transactions
    • No fee for overdraft protection, unless used4
    • Free access to ATB Online Banking
    • Free access to ATB Mobile Banking
    • Unlimited telephone banking inquiries
  • Additional Options
    • Alberta Lifestyle Cheques included at no extra cost
    • Save $120 or more each year with waiver of annual fee for primary cardholder and co-applicants on ATB Platinum Cash Rewards® World MasterCard®1
    • Save $19 USD each year with waiver of annual fee on the ATB US Dollar MasterCard®1
    • 2.5% reduction to your approved interest rate on personal unsecured lines of credit to a minimum of Prime+3%2
    • 0.1% interest rate bonus on select registered investments3
    • Free certified cheque requests (account holder)
    • Free drafts
    • Free American Express travellers cheques (single signature)
    • Free stop payments (full details)
    • $12.00 discount on annual safety deposit box fee
  • Notes
    1. Our standard interest rates as of February 1, 2015 are 19.90% on purchases and 21.90% on cash advances. Click here to view complete rate and fee schedule. Offer subject to credit approval. The ATB Platinum Cash Rewards World MasterCard has a requirement of $60,000 in personal annual income or $100,000 in annual household income. Annual fees of $120 for the primary cardholder and $25 for each co-applicant will be waived on eligible Platinum Cash Rewards World MasterCards. If you have either of these cards, please contact us to initiate the assessment and application of the fee wavier(s).
    2. Rate is variable and based on ATB's prime lending rate, which is subject to change without notice. The prime rate on February 1, 2015 was 2.85%. Our current prime rate is posted here. Offer subject to credit approval. If you have an existing personal line of credit, please contact us to initiate the assessment and application of any qualifying interest rate reduction.
    3. When opening a new 3 to 5-year non-redeemable regular RRSP and TFSA. One investment bonus rate per customer per calendar year with maximum investment of $25,000. Not available for promotional products.
    4. On approved credit. You pay interest only if overdraft protection is used. Interest is calculated daily on the daily closing overdrawn balance at 19.25% per annum, charged and payable monthly.

Details

Overview

An all-inclusive package to simplify your banking and keep more of your money in your pocket. Get unlimited transactions, annual fees waived on our premium US Dollar MasterCards®, exclusive interest rate incentives and so much more. And if you keep a minimum monthly balance of $5,000, you don't pay the monthly account fee.

Pricing

  • Monthly Fee
    Flat fee of $21.95.
  • Fee Waived If
    • Maintain a minimum monthly balance of $5,000 each day and you don't pay the monthly account fee.
  • Interac Etransfer
    Unlimited Interac e-Transfers.
  • ABM Fees
    • Free ABM transactions at any ATB branch in Alberta.
    • Withdraw cash at any ABM when travelling outside of Alberta on our dime. We'll reimburse $4.50 per withdrawal for up to 5 transactions each month in Canada and $8.00 for 1 withdrawal each month in the U.S. The reimbursement has been designed to cover our standard fee for withdrawals at non-ATB ABMs ($1.50 each in Canada or $5.00 each outside of Canada) 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).

Additional Information

  • Other features
    • Unlimited transactions
    • No fee for overdraft protection, unless used4
    • Free access to ATB Online Banking
    • Free access to ATB Mobile Banking
    • Unlimited telephone banking inquiries
  • Additional Options
    • Alberta Lifestyle Cheques included at no extra cost
    • Save $120 or more each year with waiver of annual fee for primary cardholder and co-applicants on ATB Platinum Cash Rewards® World MasterCard®1
    • Save $19 USD each year with waiver of annual fee on the ATB US Dollar MasterCard®1
    • 2.5% reduction to your approved interest rate on personal unsecured lines of credit to a minimum of Prime+3%2
    • 0.1% interest rate bonus on select registered investments3
    • Free certified cheque requests (account holder)
    • Free drafts
    • Free American Express travellers cheques (single signature)
    • Free stop payments (full details)
    • $12.00 discount on annual safety deposit box fee
  • Notes
    1. Our standard interest rates as of February 1, 2015 are 19.90% on purchases and 21.90% on cash advances. Click here to view complete rate and fee schedule. Offer subject to credit approval. The ATB Platinum Cash Rewards World MasterCard has a requirement of $60,000 in personal annual income or $100,000 in annual household income. Annual fees of $120 for the primary cardholder and $25 for each co-applicant will be waived on eligible Platinum Cash Rewards World MasterCards. If you have either of these cards, please contact us to initiate the assessment and application of the fee wavier(s).
    2. Rate is variable and based on ATB's prime lending rate, which is subject to change without notice. The prime rate on February 1, 2015 was 2.85%. Our current prime rate is posted here. Offer subject to credit approval. If you have an existing personal line of credit, please contact us to initiate the assessment and application of any qualifying interest rate reduction.
    3. When opening a new 3 to 5-year non-redeemable regular RRSP and TFSA. One investment bonus rate per customer per calendar year with maximum investment of $25,000. Not available for promotional products.
    4. On approved credit. You pay interest only if overdraft protection is used. Interest is calculated daily on the daily closing overdrawn balance at 19.25% per annum, charged and payable monthly.

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