ATB Unlimited Account

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Open account

Opens ATB's website

Monthly fee: $15.95; waivable

Overview

Unlimited transactions and free Interac e-Transfers for Albertans who use their account a lot. The monthly fee disappears if you keep $4,000 in the account, and post-secondary students don't pay it either. Without that balance it's a mid-priced account, so it suits people who leave a cushion in chequing.

Fees

Account fees

Monthly fee

$15.95

Fee waiver: Minimum Balance Waiver

$4,000 min. balance

Fee waiver: Post-secondary Student Waiver

Full waiver

eStatement

Included

ATM fees

Canadian ATMs

USA

Highlights

$15.95 per month, waivable if you meet a $4,000 daily balance requirement or are a post-secondary student
Unlimited no-cost Interac^® e-Transfers
No-cost ATB ABM access
Reimbursement of up to $4.50 for an ABM withdrawal outside of Alberta but still in Canada (up to two withdrawals each month)
Reimbursement of up to $8 for one ABM withdrawal in the US
Free paper statements for those enrolled in post-secondary
Optional overdraft protection: minimum $4 charge or interest (whichever is greater)

Legal

1. 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.

2. 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.

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.

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