So, your first Mastercard payment is coming up. Not to fear. Making payments to your ATB Mastercard is simple with ATB Personal web and app. We can help you 1) set up your Mastercard account as a new payee, 2) make payments, including set-it-and-forget-it recurring payments and 3) understand interest and how it’s applied to your statement

How to add your ATB Mastercard® as a payee.

Once you complete this step (you only have to do it once), you can pay your bills in any way that’s convenient for you—online or in person.

Adding a payee on ATB Personal:

1. Log in to ATB Personal.
2. From the Overview screen, click Move Money in the primary navigation.
   1. Or you can click the Pay bill quick link under any deposit account on the overview.
3. From the Move Money menu, click Bill payments.
4. On the Bill payments screen, in the One-time payment tab, select the account you want to make the payment From.
5. Select the company (or payee) you want to send payment To.
   1. Skip to step 7
6. If you need to add a payee:
   1. Click the Add payee link.
      1. Or, from the More menu, click Manage contacts.
      2. On the Manage contacts screen, in the Payees tab, click Add payee. 
   2. Make sure you have the official name of the company you want to pay and your account number with them—you can find both of these on your regular billing statement from them.
   3. In the Search for payees field, type the first three characters of the supplier or creditor's name (the 'payee'). Suggestions will automatically populate. Helpful hint: cities or towns will be listed as "City of…", "Town of…"
   4. Select the name of the payee you want to add.
   5. On the Add payee screen, enter your Account number with that company.
   6. A payee Nickname will be applied automatically—you can change it if you want.
   7. Click Add payee.
   8. If you’ve enrolled in two-factor authentication, you may be asked to verify your identity.
   9. Note: if you've paid a bill at one of our branches or with our Client Care team over the phone, ATB Personal should reflect any payees you added through these channels.

Adding a payee on the ATB Personal app:

1. Log in to your ATB Personal app
2. From the Overview screen, tap Move money in the primary navigation
3. From the Move money menu, tap Pay a bill
   
   1. Alternatively, tap the Pay bill quick link under any deposit account
4. On the Pay a Bill screen, in the One-time payment tab, select the account you wish to make the payment From
5. To add ATB Financial Mastercard® as a payee:
   
   1. Tap the Add link
      
      • i. Alternatively, from the More menu, tap Manage contacts
      • ii. In the Payees tab, tap +Add payee
   2. In the Search for payees field, type "ATB"
   3. Select "ATB Financial Mastercard®"
   4. On the Add Payee screen, enter your Account number 
   5. A short version of the payee name will be applied automatically; you can enter an optional Nickname if you prefer
   6. Tap Add
   7. If you’ve enrolled in two-factor authentication, you may be challenged to verify your identity
   8. Note that if you've paid a bill at one of our branches or with our Client Care team over the phone, ATB Personal should reflect any payees you added through these channels

How to pay your Mastercard® statement.

Nothing beats the convenience of paying your credit card statement through online banking. It’s fast, simple and your payment is immediately reflected on your available credit balance—so you can use the funds right away. You can also pay at any ATB ABM, in branch or by phone.

Setting up recurring payments.

Wouldn’t it be nice if your Mastercard could pay itself? It can! Consider setting up recurring payments and make regular contributions without having to think about it. Line up recurring payments with your bi-weekly payday or set it up to come out on the same day each month. Find out how to set this up on ATB Personal.

A word on interest.

In our article How to build good credit and avoid fraud, we talked about how to avoid debt and build a good credit score. But to really wrap your head around it, you need to understand interest—what it is, how it’s calculated and how it can affect your statement.

All credit card purchases are subject to a standard interest rate called an annual percentage rate (APR). It’s possible, however, that you may never pay interest on your Mastercard if you pay your balance in full each month by the due date.

How is interest calculated, anyway?

If you carry a balance on your card, interest is charged from the date you made the purchase—and is calculated based on your average daily balance. This means that even if you make a partial payment, you’ll still pay interest on your statement’s full amount. It’s easy to see how interest charges can build up fast.

Remember, the more you pay off, the less interest you pay—so try to pay off as much of your balance as possible each month.

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