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Smart Start: Banking for new Canadians

????Start your new life in Alberta with helpful banking tools and great advice.

Welcome to Alberta! You’ve chosen a great place to live and work, where there are many opportunities for new Canadian residents. You’re starting on a new adventure—one we at ATB know well—and whether you want to establish credit in Canada, start a business, or buy a home, we want to make managing your money as easy as possible.

Smart Start gives new Canadian residents banking options to help ?build a strong foundation in Alberta.

Welcome to ATB Financial. Welcome to your new home.?

Smart Start offers you:

  • An ATB Unlimited Account
    • Free for the first year—a value of approximately $120.
    • Unlimited transactions.1
    • No fee if you maintain a minimum monthly balance of $2,500.
    • Ability to withdraw up to $1,000 of your money with no waiting period after you deposit a cheque.2

Learn more about the ATB Unlimited Account.

  • An ATB MasterCard
    • A MasterCard with up to a $2,500 limit.3 5
      Choose between a card that gives you cash back or a card that has a low interest rate.
    • Or choose a secured MasterCard with a higher limit. Provide a security deposit for the credit limit you need, and we'll provide you with a MasterCard for that amount.4 5

Find out about ATB MasterCard benefits or compare ATB MasterCards.

  • A Smart Start Line of Credit5
    Get approved for up to $10,000 and start to build your credit score with a $2,500 limit at approval, $5,000 limit after an approved review at 6 months, and the full $10,000 limit after an approved review at 12 months.
    • Make payments as low as interest only—or pay the entire balance.
    • A low cost for borrowing with a variable interest rate.
    • Access your money easily at an Automated Banking Machine (ABM) or ATB branch, by writing a cheque, or via ATB Online?, ATB Mobile, or telephone banking.
    • Keep your line of credit as long as you need it—you never have to reapply.
  • An ATB Mortgage
    Own your first home in Canada sooner with an ATB mortgage. If you have a 5% own payment, you may qualify for an ATB mortgage. If not, talk to us about your options. We have a non-traditional down payment option that lets you borrow up to 5% of the purchase price of a new home to put towards the down payment with a mortgage insured by the Canadian Mortgage and Housing Corporation or Genworth Canada.
  • An ATB Safe Deposit Box
    Protect your jewellery, passports, and important documents by keeping them in a safe deposit box at your local ATB Financial branch. You can get to your valuables at any time during branch hours. Save $60 on a safe deposit box for the first year.
  • Access to ATB Global Transfers
    We help you take the stress and guesswork out of sending money internationally.
    • Transfers take only one to three business days.
    • Transactions from $1,000 to $10,000 are free to most countries.
    • Send transfers from your mobile, computer or tablet via your ATB account.
    • Ensure you have the correct recipient info with a $15 test transfer (free).

    Are you eligible for Smart Start?

    To be eligible for Smart Start, you must have immigrated or relocated to Canada within the last five years. Different Smart Start banking solutions are available depending on if you are a permanent resident or on a temporary permit, so speak to your Smart Start representative to find out what products are available and right for you.

    You may also be interested in:

    Temporary health coverage: ATB Travel Protection offers plans for visitors to Canada which include emergency medical insurance, trip cancellation/trip interruption insurance, accident insurance, rental car protection, and baggage insurance. Apply online or call 1-877-282-1888.

    Loan protection: ATB Loan Protection offers freedom from loan payments in the event of death or disability, For more information, visit ATB Loan Protection.

    Vehicle loan options: Looking to buy a vehicle (car, truck or van)? Take advantage of our Smart Start personal vehicle loan. Permanent residents who have moved to Canada within the last five years can borrow up to $30,000.6 Get loan insurance and save an additional 1% on the interest rate.



    1Additional withdrawal charges may apply from other financial institution ABMs.

    2This applies to customers with no beacon score. If the customer has a beacon score, normal business rules and qualification limits apply.

    3Not available to seasonal workers. Temporary residents may be eligible for up to a $1,000 limit. Applies to customers with no beacon score. If the customer has a beacon score, normal business rules and qualification limits apply. If you don't qualify for an unsecured ATB MasterCard, you may still be eligible provided you give a security deposit and meet eligibility criteria.

    4An annual fee will apply.

    5On approved credit. Conditions apply.

    6On approved credit.

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