All 18-25 year-olds can now get a no monthly fee bank account.
Want to make adulting easy? Open our no monthly fee chequing account online in minutes.
Ready to start this banking thing? New to ATB? Let’s go.
Get your Adulting Essentials and up to $250* in bonuses.
Start with your fundamentals and get $100* cash
Start by opening your no monthly fee Generation Account™ and Springboard Savings Account® to receive $100* cash. You can open these online or book an appointment.
Add a mastercard and get $50* in value
Once you’ve got your fundamentals in place, add an ATB Gold My Rewards Mastercard® online for an extra $50* in value (10,000 welcome bonus points). Prefer to meet with someone? You can also book an appointment.
Add a loan and get an additional $100* cash
Earn an additional $100* cash when you open a Personal Loan or Line of Credit. See how lending options can support you, or book an appointment.
Prefer support from an expert?
Meet with an everyday banking advisor for free to maximize this offer and find the best solutions for you.
Easy no monthly fee banking
Meet the Generation Account and the Springboard Savings Account.
Get a no-monthly-fee chequing and savings account. Handle all the essentials like direct deposit, mobile pay, and cash withdrawals, while you earn interest on savings.
Benefits of the Generation Account
-
No monthly fee
-
Transactions & INTERAC e-transfer®
-
Mobile Banking
When you get your fundamentals in place, you’re set up for success. The Generation Account covers your day-to-day banking, so things like deposits, withdrawals, bill payments, mobile pay and purchases. It offers unlimited transactions, Interac e-Transfer and mobile banking for when you’re on the go. You can even set up an ATB debit card for online purchases.
Start growing your savings today with your Springboard Savings Account which actually includes compounding interest. That means your money grows without you having to do a thing. There’s no monthly fee and it’s perfect for short term savings goals like an emergency fund or your next vacation. Plus, we want to help you get to your savings goals faster, so for a limited time, we're giving you an interest rate of up to 4.20%1.
Open a new Generation Account for your daily needs and a Springboard Savings Account to start growing your savings (both accounts must be opened within 60 days of each other). Then, complete the following steps to qualify for the cash bonus and build smart money habits:
- Get your money faster and easier by setting up direct deposit. Having your paycheque, tax refund, or student loan deposited automatically means your money is in your account and ready for you right away.
- Required: A direct deposit must be made to your Generation Account within 60 days of opening and be maintained for a minimum of 3 months.
Learn how to set up direct deposits
- Required: A direct deposit must be made to your Generation Account within 60 days of opening and be maintained for a minimum of 3 months.
- Build strong savings habits by completing ONE of the following (within 60 days of opening your first eligible account):
- Option A: Setting up a Pre-Authorized Transfer (PAT) builds your savings automatically so you don’t have to think about it.
- Required: Set up a minimum $25 monthly PAT from your Generation Account to your Springboard Savings Account. The first transfer must be processed within the first 60 days of opening the account, and the PAT must be maintained for 90 days.
Learn how to set up PATs
- Required: Set up a minimum $25 monthly PAT from your Generation Account to your Springboard Savings Account. The first transfer must be processed within the first 60 days of opening the account, and the PAT must be maintained for 90 days.
- Option B: Giving your savings a head start with a lump sum deposit is a great way to create an emergency fund or get closer to a specific goal, like a trip.
- Required: Deposit a total of $250 or more into your Springboard Savings Account within 60 days of opening your Generation Account, AND maintain a daily closing balance of $250 or more for an additional 90 days.
- Option A: Setting up a Pre-Authorized Transfer (PAT) builds your savings automatically so you don’t have to think about it.
- Stay in control of your money by using ATB Personal. Regularly checking your accounts helps you stay on top of your budget, track your spending, and keep your money secure.
- Required: Log in to ATB Personal online banking (app or website) at least once a month for a minimum of 3 months.
- Keep a valid email on file. This ensures we can send you important updates about your accounts and the status of your offer payout.
- Build a positive banking history by keeping your accounts in good standing. Avoiding overdrafts helps you save on fees and is a key part of managing your finances responsibly.
- Required: Your chequing account must not be in an unauthorized overdraft or in delinquent status when the cash bonus is paid. All ATB products included in the offer must remain active.
TLDR? Have an everyday banking advisor walk you through the offers and confirm your eligibility.
Your $100* cash payout will be deposited into your eligible Springboard Savings account. This deposit will be made no later than 180 days from your first eligible account opening, provided all offer criteria have been met and maintained.
A card with benefits
The next level of offer includes credit and an additional bonus
Build credit while getting rewarded. With the no annual fee ATB Gold My Rewards Mastercard, you'll earn points on every dollar you spend (think: your next vacation). Immediately yes.
Benefits of this credit card
-
Unlimited rewards
-
No annual fee
-
Traveller’s perks**
Why use your credit card instead of your debit card? When you pay down your credit card every month you’re actually building credit which can help you later when you need a loan to buy a car or a home. Plus, with the ATB Gold My Rewards Mastercard, you unlock amazing rewards on every purchase. You'll get 3x the points on essentials like groceries, gas, and streaming, and 1.5x on everything else2—all with no annual fee, purchase protection, and travel perks like discounts on car rentals3 and insurance for flight and luggage delays**.
To qualify you must:
- Be a new ATB Gold My Rewards Mastercard cardholder.
- Be an Alberta resident, 18+, have not declared personal bankruptcy in the past five years, and the card must be for personal use
TLDR? Have an everyday banking advisor walk you through the offers and confirm your eligibility.
You'll receive 10,000 welcome bonus points (a $50* value) after your first eligible purchase. The welcome bonus points will be applied directly into your ATB My Rewards account. This will happen within 60 days after the first eligible purchase is made using your ATB Gold My Rewards Mastercard.
Keep building
Get that extra cash bonus when you add a LOC or loan
Think a loan isn’t for you? We have options for those just starting out, so even if you’re not sure if you’re eligible, chat with one of our everyday banking advisors.
Personal Loans and Lines of Credit to help you reach your goals
-
Buying a car
-
Funding for school
-
Moving costs
A line of credit offers flexibility for various expenses. Use it for unexpected costs like moving. A line of credit can also cover larger needs, such as first and last month's rent on a new place or a big purchase like a car. It’s a great option for these kinds of expenses when you plan to pay off the amount in about one to two years.
A personal line of credit is a revolving loan that allows you to borrow funds up to a predetermined limit. That means you can pull funds from it whenever you want and repay the principal at any time. You only pay interest on the money you borrow. A line of credit is a lower-cost borrowing option than a credit card because the interest rate is lower and has more flexibility than a loan.
A personal loan can help provide support for things like moving costs, the purchase of a car or its unexpected repairs, or additional schooling costs such as tools or equipment. There are both secured and unsecured loans and many ways to use them.
Make sure to open the following products (Generation Account, Springboard Savings Account, ATB Gold My Rewards Mastercard) and meet their qualifying criteria. Then, open a Personal Loan or Line of Credit within 60 days of opening your Generation Account, and make sure do you the following:
- Option 1: Add a new Personal Loan (Secured or Unsecured Time Plan Personal Loan)
- Option 2: OR a new Line of Credit (Personal Line of Credit, Students First Line of Credit, Professional Students Line of Credit, Apprenticeship Line of Credit, Home Equity Line of Credit, ATB Flex Home Equity Line of Credit™).
TLDR? Have an everyday banking advisor walk you through the offers and confirm your eligibility.
By opening all 4 products (Generation Account, Springboard Savings Account, ATB Gold My Rewards Mastercard, and a Personal Loan OR Line of Credit) a $200* cash bonus will be deposited into your eligible Springboard Savings account + the 10,000 welcome bonus points ($50* in value) will be applied directly into your ATB My Rewards account, provided all offer criteria have been met and maintained.
Personal Loans and Lines of Credit to help you reach your goals
Finance your life now
Personal Loan
Ready for a vehicle purchase or wanting to furnish your place? A personal loan helps you reach goals quickly.
Finance your undergrad degree
Students First Line of Credit
Borrow up to $60,000 (or $15K/year) at a low interest rate, flexible repayment and 12 month grace period post-grad.
Finance your trades apprenticeship
Apprenticeship Line of Credit
Get all the funds you need at once and continue to access as you pay down your balance.
Create a financial cushion
Personal Line of Credit
Borrow at a low interest rate for what you need. Avoid overdrafts, stay in control, and build good credit from the start.
Grab your offer.
Ready to take control of your finances? Our Adulting Essentials offer provides the banking fundamentals you need to start growing towards your financial goals.
Frequently Asked Questions
We’re here to help make the switch as easy as possible. Read our tips on switching banks in Alberta.
To be eligible for the Adulting Essentials Offer, you need to meet the following criteria:
- Be between 18 and 25 years old.
- Be a resident of Alberta.
- Not be an ATB employee.
- New ATB Client: You must not have held (either individually or jointly) any of the following accounts within the last three years from your first eligible account opening:
- Personal ATB Chequing Accounts: Pay As You Go, Basic, Unlimited, ATB Advantage, Generation™, Students First.
- Springboard Savings® Account.
- Personal ATB Mastercard®: ATB Gold Cash Rewards, ATB Gold My Travel Rewards, ATB Gold My Rewards, ATB World Elite, ATB Preferred Fixed-Rate, ATB Preferred Variable-Rate, ATB Alberta, ATB US Dollar.
- Unsecured Lending Products: Personal Loan, Investment Express Loan, RRSP Max-It® Loan, Personal Line of Credit, Students First Line of Credit, Apprenticeship Line of Credit, Professional Students Line of Credit.
- Account Opening Period: Open your first eligible ATB account (a Generation or a No-Fee All-In Digital Account) between June 17, 2025, and November 28, 2025.
- Limit: One (1) banking offer per new ATB client
No, you do not need to open all Adulting Essentials accounts to qualify for offers related to those accounts.
Option 1: Open Generation + Springboard Savings
By opening a Generation Account and Springboard Savings Account, you get a $100* cash bonus after qualifying criteria is met.
Option 2: Open a ATB Gold My Reward Mastercard
By opening the ATB Gold My Reward Mastercard, you would qualify for 10,000 welcome bonus points ($50* in value) after your first purchase.
Option 3: Open all 4 qualifying products
By opening all 4 products (Generation, Springboard Savings, ATB Gold My Rewards Mastercard, and a Personal Loan OR Line of Credit) you will receive a $200* cash bonus + the 10,000 welcome bonus points ($50* in value) after qualifying criteria is met.
You can open the qualifying products (Generation, Springboard Savings, ATB Gold My Rewards, and a Personal Loan OR Line of Credit) online or with an advisor.
- Online: shop.atb.com (like online shopping but for banking)
- Book an appointment with a banking advisor
- Branch: Any ATB location
Option 1: Open Generation + Springboard Savings
Your $100* cash payout will be deposited into your eligible Springboard Savings account. This deposit will be made no later than 180 days from your first eligible account opening, provided all offer criteria have been met.
Option 2: Open a ATB Gold My Reward Mastercard
You'll receive 10,000 welcome bonus points (a $50* value) after your first eligible purchase. The welcome bonus points will be applied directly to the client’s ATB My Rewards account. This will happen within 60 days after the first eligible purchase is made using the ATB Gold My Rewards Mastercard.
Option 3: Open all 4 qualifying products
By opening all 4 products (Generation, Springboard Savings, ATB Gold My Rewards Mastercard, and a Personal Loan OR Line of Credit) you will receive a $200* cash bonus will be deposited into your eligible Springboard Savings account + the 10,000 welcome bonus points ($50* in value), provided all offer criteria have been met.
The bonus offer is available on net new funds deposited into a new or existing Springboard Savings Account between April 22, 2025 and June 30, 2025. The bonus interest rate will be calculated on the daily closing account balance and paid out monthly on net new balances. Tax implications may be associated with this offer. This offer is subject to change without notice and cannot be combined with other offers. Only up to $1 million dollars ($1,000,000) of new funds deposited will be eligible for the bonus interest.
Net new funds refers to the net increase in the account's balance resulting from deposit and withdrawal activity occurring exclusively during the campaign period. Additional contributions/deposits can come from a different ATB account type or by transferring funds from another financial institution. Funds transferred between Springboard Savings accounts may not be eligible for the bonus interest offer.
The up to 4.20% interest rate is the combination of the base interest rate of up to 1.00% on a Springboard Savings Account with the 3.20% bonus offer on net new deposits.
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.
Enjoy up to 25% off car rental rates at Avis® and Budget® when you pay with your ATB Gold My Rewards Mastercard and quote AWD #C376000 at participating Avis locations or BCD #A369800 at participating Budget locations. To reserve with Avis, visit avis.com/atb or call 1-800-TRY-AVIS (879-2847). To reserve with Budget, visit budget.com/atb or call 1-800-268-8900. This offer is non-transferable and cannot be combined with any other offer. Offer is subject to Avis and Budget rules and conditions and may be limited or withdrawn at any time without advance notice.
**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.
*Adulting Essentials 18-25 Everyday Value Banking Offer
The cash payout will be made into the eligible Springboard SavingsⓇ account (up to $200) no later than 180 days from the first eligible account opening and all offer criteria has been met, which includes:
- ATB Adulting Essentials 18-25 Everyday Value Banking Offer begins on June 17, 2025. Clients MUST be 18 to 25 years of age, resident of Alberta, non-ATB employee. Limit of one (1) Everyday Value Banking Offer, or one (1) MastercardⓇ Offer per client.
- To qualify for the cash payout, you must not have held (either individually or jointly) any personal ATB chequing account (including Pay As You Go, Basic, Unlimited, ATB Advantage, GenerationTM, No-Fee All-In DigitalⓇ, Students First), and/or Springboard Savings account and/or any personal ATB Mastercard (including ATB Gold Cash Rewards Mastercard, ATB Gold My Travel Rewards Mastercard, ATB Gold My Rewards Mastercard, ATB World Elite Mastercard, ATB Preferred Fixed-Rate Mastercard, ATB Preferred Variable-Rate Mastercard, ATB Alberta Mastercard, ATB US Dollar Mastercard), and/or unsecured lending product (including Personal Loan, Investment Express Loan, RRSP Max-ItⓇ Loan or Personal Line of Credit, Students First Line of Credit, Apprenticeship Line of Credit, Professional Students Line of Credit) in the previous 3 years from the first eligible account opening.
- Clients must provide a valid email address. This will be used to communicate the status of qualification criteria and payout.
- The ATB products must remain active and be in good standing. Chequing account must not be in an unauthorized overdraft or in delinquent status, at the time the cash payout is paid.
- All ATB products included in this offer must be opened within one 60-day period, which begins when you open your first eligible product.
- Open the first eligible ATB account (chequing account) between June 17, 2025, and November 28, 2025. Offer may be withdrawn at any time.
- Adulting Essentials 18-25 Everyday Value Banking Offer
- Step 1 cash payout of $100.00: Open a new Generation or a No-Fee All-In Digital Account + a new Springboard Savings Account (both must meet account qualifying eligibility criteria)
- Step 2 10,000 welcome bonus points ($50.00 value): Add an ATB Gold My Rewards Mastercard
- Step 3 for an additional cash payout of $100.00: MUST open all products in Step 1 + Step 2 + Add Personal Loan (Secured or Unsecured Time Plan Personal Loan) or Line of Credit (Students First Line of Credit, Apprenticeship Line of Credit, Home Equity Line of Credit, Flex Home Equity Line of Credit™). If you have opened a No-Fee All-in Digital Account in Step 1, no additional loan or line of credit is required.
Step 1: Eligibility Requirements
Generation Account or No-Fee All-In Digital Qualifying Eligibility Criteria:- A direct deposit must be made within 60 days of chequing account opening and maintained for a minimum of 90 days.
- Client must be an active user of ATB Personal. Active is defined by logging into ATB Personal or Web at least once every 30 days.
Springboard Savings Account Eligibility Qualifying Eligibility Criteria:
Client must open a new Springboard Savings account during first 60 days of opening the first eligible product and complete one of the following- Have a minimum of $25.00 monthly pre-authorized transfer with the first transaction processed within 60 days of the first eligible product opening. This must be maintained for 90 days. The Pre-authorized Transfer (PAT) must occur either weekly, biweekly, monthly, or twice per month. OR
- Deposit a total of $250.00 or more into the Springboard Savings Account within the 60 days of the first eligible product opening and maintain a daily closing balance of $250.00 or more at all times for an additional 90 days.
Step 2: Mastercard Requirements
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. Welcome bonus offer available on new ATB Gold My Rewards Mastercard accounts where the cardholder has not had a previous ATB Gold My Travel Rewards Mastercard. Client is eligible to apply for an ATB Gold My Rewards Mastercard if the client is a resident of Alberta, 18 years or older, has not declared personal bankruptcy in the past five years and the intent of the card is for personal use only. This offer is subject to change or withdrawal at any time and without notice. On approved credit, conditions apply. Review terms and conditions HERE.
Step 3: Personal Loan or Personal Line of credit
Minimum $5000.00 advanced limit.
Based on approved credit.
Interest rates are subject to change at any time without advance notice.Other
ATB Load & GoⓇ Prepaid Mastercard is not included.
If other offers are in market during Adulting Essentials Everyday Value Banking Offer, they cannot be combined with any chequing account fee waivers unless otherwise stated.Client has 270 days after the initial account opening to notify ATB if you believe you qualify for the Adulting Essentials cash payout and have not received the cash and bonuses, so that we can verify your eligibility.
ATB may change, extend or withdraw the Adulting Essentials Everyday Value Banking Offer at any time without notice.ATB reserves the right, at our sole discretion, to suspend, disqualify, limit or revoke the Offer(s) for any client we suspect of manipulating or abusing the Adulting Essentials Value Everyday Banking offer.
Interac e-Transfer® is a registered trademark of Interac Inc. Used under license.