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No-Fee All-In Digital Account

Bank, borrow and save all in one account, with no monthly fees! Qualify for the line of credit portion (from $5,000-$50,000)1 and you can get this convenient account that makes everyday digital banking a breeze.

Line of credit + chequing account + interest on your balance = banking utopia

Imagine never having to think about moving money from one account to cover another. The No-Fee All-In Digital Account has a line of credit built right in, eliminating the need for overdraft protection. When you deposit money, your line of credit will automatically get paid down (if it needs to be), saving you from paying interest, too. Plus, no monthly account fees!

Of course, for non-digital transactions (like currency exchange and getting a mortgage), feel free to head to any ATB branch.

The “All-In” part

Along with unlimited digital transactions, you also:

  • Get access to extra cash—with a $5,000–$50,000 line of credit2 built right in.
  • Make money by earning 0.25%1 on balances $1,000 and over.
  • Enjoy everyday chequing and savings convenience, all wrapped up in one.

The “No-Fee” part

  • No monthly fee?
  • Unlimited digital transactions
  • Free Interac e-Transfers
  • No minimum balance required

No fees ever?

This is a digital account, so if you choose to go in-branch or use the call centre for something you could have done digitally (like deposits, withdrawals, bill payments, transfers or checking your balance), there will be a $5 fee per transaction. And yes, you will have to pay interest on your account’s line of credit if you use it.

To qualify for the account, you need to qualify for the line of credit.

That means, along with doing a credit check, to apply for the account you’ll also need things like:

  • Your income amount
  • A list of your assets and liabilities (the stuff you own vs the stuff you owe)
  • Rent or mortgage expenses

Note: If you ask for a larger amount on your line of credit, we may call you to confirm a few things like your home address and proof of your income.

Get Started


1 0.25% is an annual rate and is subject to change without notice.

2 On approved credit. You need to meet our lending criteria, and some conditions and restrictions apply. While you may ask for a certain credit limit, ATB will set your limit depending on what we can approve for you. For more information and terms and conditions, call ATB at 1-800-332-8383 or click here for the Line of Credit Terms and Conditions or Account Deposit Terms and Conditions.

ATB Financial is committed to protecting your privacy and the confidentiality of your Personal Information. Our commitment to protecting your privacy is set out in our Privacy Code. When we conduct business with you, your acknowledgement of and consent to the way ATB Financial uses your Personal Information are defined in our Privacy Statement, also known as our Personal Information Collection, Use, and Disclosure Statement. ATB Financial’s Privacy Code and Privacy Statement are designed to comply with applicable privacy legislation, including Alberta’s Personal Information Protection Act (PIPA).

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