SWITCH YOUR SMALL BUSINESS BANKING AND GET UP TO $1,000*
(THE COFFEE IS ON US)
Here's how to switch
Step 1: Get $200* when you open a business account
Choose an eligible business operating account and complete qualifying digital transactions. Get started with a business advisor.
Step 2: Add a business Mastercard and get $200*
Earn more cash by opening an Alberta Rewards Businesscard™ Mastercard®. You’ll earn points with every purchase, enjoy flexible repayment terms and improve cash flow.
Step 3: Qualify for a balance bonus of up to $600*
Depending on the minimum balance you maintain in your new business operating account, you can qualify for up to $600 more cash.
Get started now and get up to $1,000*
Compare Eligible Accounts →
Earn more with this Mastercard
Alberta Rewards Businesscard™ Mastercard®
Want a hard working rewards card for your business? Add it to your new business operating account to reward you with even more cash bonuses.
Ready to get started?
Book a coffee meeting with an ATB business advisor to open your new accounts.
Frequently asked questions
We’re here to help make the switch as easy as possible. Read our tips on switching your business banking or book a meeting with a business advisor to get started.
This offer is open to eligible Alberta small businesses. Eligible businesses must have the following criteria:
- Be a for-profit business with up to $3 million in annual revenue, and either a) currently has less than $250,000 in lending on the business, b) needs less than $250,000 in financing for the business.
- Business registration or incorporation date is on or prior to December 31, 2023.
- Business is in operation at 11:59 pm MT on March 14, 2025.
Business account holder(s) must be 18 years of age or older, and resident(s) of Alberta.
Earn $200 by opening an eligible business operating account with a business advisor and complete 3 (or more) qualifying digital transactions using ATB Business web or app between October 1, 2024 - February 28, 2025. Qualifying digital transactions are payments made towards bills, invoices, creditors or employees.
If you open an Alberta Rewards Businesscard™ Mastercard® between October 1 and 12PM MST November 15, 2024 after opening a business operating account, you can get an additional $200*.
By maintaining a minimum balance in your business operating account during the qualifying period (December 1, 2024 - February 28, 2025), you can earn the following:
- Maintain a minimum business account balance of $30,000 to $69,999 over 90 days with a Alberta Rewards Businesscard™ Mastercard®, earn an additional $300 cash.
- Maintain a minimum balance of $70,000 and above over 90 days with a Alberta Rewards Businesscard™ Mastercard®, earn an additional $600 cash.
- Maintain a minimum balance of $30,000 to $69,999 over 90 days without a Alberta Rewards Businesscard™ Mastercard®, earn an additional $150 cash.
- Maintain a minimum balance of $70,000 and above over 90 days without a Alberta Rewards Businesscard™ Mastercard®, earn an additional $300 cash.
Your payout will be made into the qualifying business operating account by 11:59 pm MT on March 14, 2025.
Unfortunately, no. To qualify for the offer, you can not have held a ATB Self Serve, Business Plus or Business Premium Account, Unlimited, Flex Fit, Go 5, Free Banking for Startups, Pay as You Go, Pay as You Go With Interest, Custom Account I and II, Mush Operating Account, Commercial Operating Account, ATB Wealth Private Business Account, Community Spirit Account, AgriInvest Savings Account, Business Growth Plus Savings Account, Business Savings Account, Notice on Amount 31 days, Springboard Savings Account, T-Bill Savings Account, US Dollar Savings Account, US Savings Account, Real Estate Trust Account and Law Firm Trust Account between October 1, 2023 - October 1, 2024.
To qualify for the additional cash by adding a Alberta Rewards Businesscard™ Mastercard®, you can not have held an Alberta Businesscard™ Mastercard®, Alberta Rewards Businesscard™ Mastercard®, Alberta Agri-Industry Businesscard® Mastercard®, Alberta Gold Ag-Rewards Bus. Mastercard®, or ATB MyBusiness® Rewards Mastercard® previously.
Open your new ATB Business operating account and/or Alberta Rewards Businesscard™ Mastercard® with one of our business advisors or by booking an appointment virtually or in-person at your nearest branch.
No, there's only one cash bonus per client. Maximum of one (1) $1,000 total payout per client. If a client has multiple business accounts with ATB, the total payout can only be paid to one (1) business account and this will be deemed to be the business account which qualified first and will not exceed a total of $1,000.
Unfortunately, no. To qualify for the offer, you can not have held a ATB Self Serve, Business Plus or Business Premium Account, Unlimited, Flex Fit, Go 5, Free Banking for Startups, Pay as You Go, Pay as You Go With Interest, Custom Account I and II, Mush Operating Account, Commercial Operating Account, ATB Wealth Private Business Account, Community Spirit Account, AgriInvest Savings Account, Business Growth Plus Savings Account, Business Savings Account, Notice on Amount 31 days, Springboard Savings Account, T-Bill Savings Account, US Dollar Savings Account, US Savings Account, Real Estate Trust Account and Law Firm Trust Account between October 1, 2023 - October 1, 2024.
To qualify for the additional cash by adding a Alberta Rewards Businesscard™ Mastercard®, you can not have held an Alberta Businesscard™ Mastercard®, Alberta Rewards Businesscard™ Mastercard®, Alberta Agri-Industry Businesscard® Mastercard®, Alberta Gold Ag-Rewards Bus. Mastercard®, or ATB MyBusiness® Rewards Mastercard® previously.
ATB considers "in good standing" as a client who has abided by the terms and conditions of their account. An example of what would be "not in good standing" is two or more non-sufficient funds (NSF) items within three months of opening an account(s) or has an unrecoverable chargeback or unpaid item.
The key dates for this promotional offer are:
- October 1, 2024 and 12PM MST November 15, 2024: Open an ATB business operating account and/or Alberta Rewards Businesscard™ Mastercard®.
- October 1, 2024 - February 28, 2025: Complete 3 (or more) qualifying digital transactions using ATB Business web or app between to earn the $200 operating account payout.
- December 1, 2024 through to February 28, 2025: Maintain a minimum balance in the qualifying business operating account. The balance must remain at or above the threshold amount consecutively during the 90-day qualifying period.
- March 14, 2025: Cash bonus(es) which will be made into the eligible Business Account by 11:59 PM MT.
No, this offer cannot be combined with any other business banking account offer (e.g. Free Banking for 2024 Startups).
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*The following terms and conditions apply:
Operating Account Cash Offer
The $200 cash payout will be made into the eligible ATB Self Serve, Business Plus or Business Premium Accounts by 11:59 pm MT on March 14, 2025 if all of the following qualifying requirements are fulfilled:
- Business account holder(s) must open a new ATB Self Serve, Business Plus or Business Premium Account between October 1 and 12PM MST November 15, 2024.
- Business account holder(s) must complete 3 (or more) qualifying digital transactions using ATB Business web or app between October 1, 2024 - February 28, 2025 to earn the $200 payout. Qualifying digital transactions are payments made towards bills, invoices, creditors or employees using ATB Business online platforms via ATB Business web/app.
- Business account holder(s) is not eligible to qualify for this cash bonus if they have held a ATB Self Serve, Business Plus or Business Premium Account, Unlimited, Flex Fit, Go 5, Free Banking for Startups, Pay as You Go, Pay as You Go With Interest, Custom Account I and II, Mush Operating Account, Commercial Operating Account, ATB Wealth Private Business Account, Community Spirit Account, AgriInvest Savings Account, Business Growth Plus Savings Account, Business Savings Account, Notice on Amount 31 days, Springboard Savings Account, T-Bill Savings Account, US Dollar Savings Account, US Savings Account, Real Estate Trust Account and Law Firm Trust Account between October 1, 2023 - October 1, 2024.
- The new ATB Self Serve, Business Plus and Business Premium Accounts must remain active and be in good standing (i.e. must not be in an unauthorized overdraft or in delinquent status) at the time the cash bonus is paid.
Mastercard Cash Offer
If the account holder(s) of the new eligible ATB Self Serve, Business Plus or Business Premium Accounts also opens a new Alberta Rewards Businesscard™ Mastercard®, they will be eligible for an additional $200 cash bonus which will be made into the eligible ATB Self Serve, Business Plus or Business Premium Accounts by 11:59 pm MT on March 14, 2025 if all of the following qualifying requirements are fulfilled:
- Business Account holder(s) must open the new Alberta Rewards Businesscard™ Mastercard® between October 1 and 12PM MST November 15, 2024.
- Business account holder(s) are not eligible to qualify for this cash bonus if they have held an Alberta Businesscard™ Mastercard®, Alberta Rewards Businesscard™ Mastercard®, Alberta Agri-Industry Businesscard® Mastercard®, Alberta Gold Ag-Rewards Bus. Mastercard®, or ATB MyBusiness® Rewards Mastercard® previously.
- The new Alberta Rewards Businesscard™ Mastercard® must be activated and in good standing (i.e. must not be overlimit or in delinquent status) at the time the cash bonus is paid.
Operating Account Balance Bonus Offer
An additional bonus payout is available for eligible clients depending on the daily deposit closing balance held in the qualifying ATB Self Serve, Business Plus or Business Premium Account during the “qualifying period” of December 1, 2024 through to February 28, 2025. The balance must remain at or above the threshold amount consecutively during the qualifying period. The payout amount will be determined based on the below:
- Daily deposit closing balance $29,999 and below: Bonus payout amount without Mastercard = $0, bonus payout amount with qualifying Mastercard = $0
- Daily deposit closing balance $30,000 - $69,999: Bonus payout amount without Mastercard = $150, bonus payout with qualifying Mastercard = $300
- Daily deposit closing balance $30,000 - $69,999: Bonus payout amount without Mastercard = $300, bonus payout with qualifying Mastercard = $600
Other Important Details & Criteria
- Business must have been Incorporated or Registered on or prior to December 31, 2023
- Business is in operation at 11:59 pm MT on March 14, 2025.
- Business Account holder(s) must be 18 years of age or older, and resident(s) of Alberta. Offer not available to ATB employees and agency members.
- Business Account holder(s) must be the owner(s) of a for-profit, small business in Alberta with up to $3 million in annual revenue, and either a) currently has less than $250,000 in lending on the business, b) needs less than $250,000 in financing for the business.
- Maximum of 1x $1000 total payout per client. If a client has multiple business accounts with ATB - the total payout can only be paid to one business account and this will be deemed to be the business account which qualified first and will not exceed a total of $1,000.
- Offer cannot be combined with any other account offer (i.e. Free Banking for 2024 Startups).
- ATB may change, extend or withdraw this Campaign 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 any of the offers included in this Campaign Offer.
- Client has until 10:00am MT on March 26, 2025 to notify ATB if you believe you qualify for the offer and have not received the cash and bonuses, so that we can verify your eligibility.