1. Our standard interest rates 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. If you already have an ATB US Dollar MasterCard, or ATB World Elite MasterCard please contact us to initiate the assessment and application of the fee waiver

2. Rate is variable and based on ATB's prime lending rate, which is subject to change without notice. Interest is calculated daily on the daily closing balance, charged and payable monthly at the month end. 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. Applicable on new 3 to 5-year non-redeemable GIC RRSP and TFSA accounts, a one-time bonus rate will be applied up to a maximum of $25,000.00 as the total of each investment (i.e. if the account has more than $25,000 in it, the bonus rate only applies to the first $25,000). Bonus rate not available for promotional products and cannot be combined with other promotional offers. 

4. On approved credit. You pay the greater of $4.00 or monthly interest only if overdraft protection is used. Interest is calculated daily on the daily closing overdrawn balance at 17.25% per annum, charged and payable monthly.

For the ATB Advantage Account, you pay only monthly interest if overdraft protection is used.

5. ABM withdrawals are converted to Canadian dollars using an exchange rate 2.5% above the exchange rate set by Mastercard International Incorporated (which operates the Cirrus^® ATM Network). Some transactions may take a few days to be processed. You’ll be charged the applicable exchange rate on the day your transaction goes through your account, not necessarily the rate on the day you made the transaction.

Related documents: ATB Personal Account Agreement (PDF), Additional Services & Associated Charges (PDF) 

Interest rates are subject to change at any time without advance notice.

Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.

Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used under license.

Cirrus is a registered trademark of Mastercard International Incorporated. Used under license.

^* Find Chequing Account and Mastercard Bonus Terms and Conditions HERE

Offer available on new ATB Gold My Rewards Mastercard accounts where the cardholder had no previous ATB Gold My Rewards Mastercard. The 10,000 welcome bonus points ($50 value) will be applied to the client’s ATB My Rewards account within 60 days after the first eligible purchase on the ATB Gold My Rewards Mastercard. This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply.

Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $10,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 1.5 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.

Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available  here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $10,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 1.5 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.

Offer available on new ATB World Elite Mastercard accounts where the cardholder had no previous ATB World Elite Mastercard. The 40,000 welcome bonus points ($200 value) will be applied to the client’s ATB My Rewards account within 60 days after the first eligible purchase on the ATB World Elite Mastercard. This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply.

Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $50,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 2 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.

^* Find Chequing Account and Mastercard Bonus Terms and Conditions HERE
 

Interac e-Transfer is a registered trademark of Interac Corp. Used under licence.​

Related documents: Personal Mastercard Cardholder Agreement (PDF), Mastercard Terms and Conditions (PDF), Gold Rewards Certificate of Insurance (PDF), Mastercard My Rewards Terms and Conditions (PDF)

Related documents: World Elite Mastercard Membership Benefits and Privileges (PDF), World Elite Mastercard Cardholder Agreement, Terms and Conditions, and Coverages (PDF), Mastercard Terms and Conditions (PDF), Mastercard My Rewards Terms and Conditions (PDF)

¹ Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $10,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 1.5 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.
² Purchases made only at selected merchant locations in Canada as identified by Mastercard’s “Merchant Category Code” (“MCC”) may qualify for the accelerated earn rate. A list of inclusions are available here, and is subject to change including addition or deletion at any time without notice. The accelerated earn rate applies to the first $50,000 in annual purchases on the Account, at merchants qualifying for the accelerated earn rate, per calendar Year based on your statement cycle date. The annual spend cap for the accelerated earn rate resets every January. Once the combined cardholder spend exceeds this threshold in these categories, they will continue earning points at the regular earn rate of 2 points per $1 spent in purchases. Points are awarded for Purchases made while your Card Account is in Good Standing. Purchases do not include Cash Advances, credit adjustments, account fees (like annual fees), interest or other charges.
³ Offers vary by location. See mastercardtravelpass.dragonpass.com or app for more details, including terms and conditions. All third-party trademarks are the property of their respective owners.
⁴ Coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and/or American Bankers Insurance Company of Florida (ABIC). ABLAC and ABIC, their subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of the coverage including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance.
⁵ Must be a resident of Alberta and qualify as a permanent resident, international student, temporary foreign worker or refugee and have landed in Canada five years ago or less (with proof of status). Limit of one (1) one-year waived fee for an Unlimited Account per client.
⁶ Subject to credit approval. To qualify, you must be a resident of Alberta (proof of residency required) and 18+. Your approval and the credit limit will be determined on ATB’s credit criteria, including income and credit history (if available).
⁷ Our standard interest rates 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. If you already have an ATB US Dollar MasterCard, or ATB World Elite MasterCard please contact us to initiate the assessment and application of the fee waiver.
⁸ Coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and/or American Bankers Insurance Company of Florida (ABIC). ABLAC and ABIC, their subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of the coverage including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card, and online at atb.com.
⁹ Learn more about our Global Transfers here.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Used under licence.