Help me choose.
Not sure if this is the right account? Our chequing account selector tool can help you find the best ATB account for your goals.
Freedom Account
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Financial freedom for 59+
Ditch your monthly fee.
No monthly fees and unlimited credit and debit transactions. You can decide how to spend every cent and move your money simply and securely.
Get the perks.
Free personalized cheques1 and a $10 discount on the annual fee for a safety deposit box.
Share the wealth.
By opening a joint Freedom Account you can extend all the same benefits to a joint account holder, even if they're under 59.2
Protect your balance.
Apply for optional Overdraft Protection and provide a cushion for unexpected changes to your balance. Pay only if you use it.3
Key product details
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Monthly fee
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$0
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Interac e-Transfer®
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Unlimited, free
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Interac e-Transfer® Request Money
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Unlimited, free
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Monthly electronic statement
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Free
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Global Transfers
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$50 - 999.99: $5 CAD
$1,000 -10,000: Free Special Countries: $15 CAD |
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Personalized cheques
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One free personalized cheque order per calendar year (limit -100)
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Drafts
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Free
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Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
Ready to get started?
When you’re ready for financial freedom, you’re ready for the Freedom Account.
Open now
Frequently asked questions
After you've applied and been approved for Overdraft Protection, you won't pay for it unless you decide to use it. If Overdraft Protection is used, there is a minimum charge of $4 or interest, whichever is greater. Interest is calculated daily on the daily closing overdrawn balance at 17.25% per annum, charged and payable monthly.2
Overdraft Protection is only available by application and on approved credit.
You'll have free access to ATB Personal and the ATB Personal banking app, as well as unlimited telephone banking inquiries.
Within Alberta, you pay regular fees at non-ATB ABMs. You should be notified of these fees and prompted to approve them before proceeding with the transaction.
Withdraw cash at any ABM outside Alberta, but within Canada, on our dime. We'll reimburse up to $4.50 per withdrawal for up to two withdrawals per month.
Travelling outside of Canada? Withdraw cash at any ABM on the Cirrus® network for a fee of $5 per withdrawal (this does not include fees you may agree to pay when making the withdrawal at the non-ATB ABM). We'll reimburse $8 for one withdrawal each month at ABMs in the US.4
Find a chequing account for any age or life stage.
For all Albertans 25 and under
Generation Account™
Whether you're a student, working, or just starting out, all Albertans 25 and under can save, spend and transfer for no monthly fee.
Reap well-earned rewards
Freedom Account
If you're 59 or older, speed up financial freedom with unlimited transactions for no monthly fee.
For full-time post-secondary students aged 26+
Unlimited Account for Students 26+
Unlimited transactions and flexible overdraft protection for no monthly fee with proof of enrollment.
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One free personalized cheque order per calendar year (limited styles).
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Clients must apply and meet the eligibility requirements. Clients are allowed one account per client BP (accounts are limited to 1 per combination of account holders). Clients must be 59 years old or older. On joint Freedom Accounts, a minimum of one account holder must be 59 years old or older.
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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.
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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.
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Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
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Interac e-Transfer is a registered Trademark of Interac Corp. Used under license.
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Cirrus is a registered trademark of Mastercard International Incorporated. Used under license.