Only pay for what you use.
Get what you want
You know exactly what you want and how to get it. If you do four or fewer debit transactions a month, this is the account for you.
Use less for less
Your banking needs are modest. Your banking fees should be too. Pay for each transaction, up to a maximum of $25 in transaction fees each month.
Know we've got your back
Get the support you need with free access to our financial experts, as well as digital banking with ATB Personal web and the ATB Personal banking app.
Key product details
| Monthly fee | $0, per-transaction fees apply |
| Monthly over limit fee cap | $25, additional service fees still apply |
| Access to ATB Personal web and app | Free |
| Interac e-Transfer® | $1.50 each |
| Interac e-Transfer Request Money | $1.50 each |
| Global Transfers | $50 - $999.99: $5 CAD $1,000 - $10,000: Free Special countries: $15 CAD |
Frequently Asked Questions
Only outgoing transactions—such as bill payments, withdrawals and outgoing transfers—will be charged. This applies to transactions done through an ATB automated banking machine (ABM), calls to Client Care or through telephone banking. Deposits and incoming transfers are free of charge.
The $25 monthly fee cap applies to the following transactions:
- $2.40 ($1.25 bill payment fee + $1.15 withdrawal fee) each for bill payments made in-branch, at ABMs, through Client Care or telephone banking
- $1.15 each for withdrawals and transfers made in-branch, at ABMs, through Client Care or telephone banking
- $1.15 each for cheques redeemed on your account
Transfers between ATB accounts and bill payments, including the withdrawal fee, made through ATB Personal web and app are subject to fees.
Calls to Client Care are considered manual transactions, and carry the same charges as in-branch transactions. ABM and telephone banking transactions are considered to be electronic transactions.
Some transactions, such as sending Interac e-transfers and transactions at non-ATB ABMs, will be charged additional fees. These fees do not apply to the $25 monthly fee cap.
For more details on our account fees, see Additional Services and Associated Charges.
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 19.25% per annum, charged and payable monthly.1
Overdraft Protection is only available by application and on approved credit.
Yes, you can. The Pay As You Go Account can also work as a joint account.
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 $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).2
Ready to get started?
With the Pay As You Go Account, you're in control of keeping your fees low.
Find the right basic chequing account for you.
Stick to the basics
Basic Account
Stick to your principals
Pay As You Go Account
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 19.25% per annum, charged and payable monthly.
For the ATB Advantage Account, you pay only monthly interest if overdraft protection is used.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.
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.