ATB Online Banking – Fast, Secure Account Access

What Is ATB Online?

ATB Online is the suite of digital banking services offered by ATB Financial, an Alberta-based financial institution wholly owned by the Province of Alberta. It encompasses two primary channels: a browser-based platform accessible at atb.com and a mobile application available under the name ATB Personal on both iOS and Android. Together, these channels allow ATB customers — individuals, businesses, and agricultural operators — to manage accounts, move money, pay bills, and access financial products without visiting a branch or calling a contact centre.

ATB Financial is not a federally chartered bank under the Bank Act. It operates under the ATB Financial Act of Alberta, which means its deposit guarantee is provided by the Alberta government rather than the Canada Deposit Insurance Corporation (CDIC). This distinction matters for online banking because it shapes how ATB structures its security obligations, regulatory reporting, and the deposit protection customers rely on when transacting digitally.

The Two Platforms That Make Up ATB Online

ATB Online is not a single product but a coordinated ecosystem of two distinct interfaces, each designed for a different usage context.

ATB Personal (Web)

The web platform, accessed through a browser at atb.com, is the full-featured desktop experience. It is optimised for tasks that benefit from a larger screen: reviewing detailed transaction histories, setting up complex bill payment schedules, managing multiple accounts side by side, downloading statements for tax purposes, and initiating larger or more structured transfers. Customers log in using their ATB card number or username combined with a password, followed by a one-time passcode (OTP) delivered by SMS or authenticator app as part of ATB's multi-factor authentication (MFA) requirement.

ATB Personal (Mobile App)

The ATB Personal mobile application is available on the Apple App Store and Google Play. It replicates nearly all web functionality while adding device-native features: biometric login (Face ID, Touch ID, or Android fingerprint), mobile cheque deposit via camera, and push notifications for account activity. The app is the primary channel through which most retail customers interact with ATB day-to-day, given the convenience of on-device authentication and real-time alerts.

ATB Business Online

Separate from the personal platform, ATB offers ATB Business Online, a more robust interface for commercial clients. It supports payroll file uploads, CRA business payments, multi-user access with role-based permissions, and higher transaction limits. Business clients may also access the Government Payment and Filing Service (GPFS) directly through ATB Business Online, enabling remittances of GST, payroll deductions, and corporate income tax to federal and provincial authorities.

Why ATB Online Matters to Alberta Customers

ATB Financial operates exclusively within Alberta, with over 170 branches concentrated in communities — including many rural towns — that larger national banks have historically underserved or exited. For customers in those areas, ATB Online is not a convenience feature; it is often the only practical way to bank between branch visits that may require significant travel.

Beyond geography, ATB Online matters because ATB holds a substantial share of Alberta's personal and agricultural banking market. Farmers managing operating lines of credit, small business owners processing payroll, and families saving for homes all depend on reliable digital access to their finances. Downtime or friction in ATB Online has direct economic consequences for a meaningful portion of the provincial population.

ATB Online also serves as the gateway to ATB's broader product ecosystem: investment accounts through ATB Wealth, registered accounts (RRSP, TFSA, RESP, FHSA), credit cards, lines of credit, and mortgage management. Customers who understand how ATB Online works — and how to use it fully — can consolidate nearly all of their financial administration into a single authenticated session.

How ATB Online Works: The Technical and Operational Architecture

Understanding how ATB Online functions helps customers troubleshoot problems, maintain security, and use the platform more effectively.

Authentication and Identity Verification

ATB Online uses a layered authentication model. The first factor is something the customer knows: their ATB card number (a 16-digit number on their debit card) or a self-created username, combined with a password. The second factor is something the customer has: a one-time passcode sent to a registered mobile number, or a code generated by a compatible authenticator application. ATB strongly encourages customers to register a mobile number for OTP delivery during initial setup, as accounts without a registered second factor face additional friction during login.

For mobile app users, biometric authentication replaces the password entry after the initial setup, but the underlying account credentials remain active and are required if the app is reinstalled or used on a new device. This means customers should never lose track of their ATB card number and password even if they primarily use biometrics.

Session Management and Security Controls

ATB Online sessions time out after a period of inactivity, typically 10 minutes on the web platform, to reduce exposure if a device is left unattended. The platform monitors for unusual login patterns — such as access from an unrecognised device or geographic location — and may trigger additional verification steps. Customers can view and manage trusted devices within their online banking settings, and ATB's fraud team can lock an account if suspicious activity is detected.

Core Transaction Processing

Most transactions initiated through ATB Online — bill payments, internal transfers, and Interac e-Transfers — are processed through ATB's core banking system, which connects to Interac's network and the Canadian payment clearing infrastructure. Standard Interac e-Transfers are typically available to recipients within minutes, though first-time transfers to a new recipient may involve a brief review period. Bill payments submitted before ATB's daily cutoff time (generally 9:00 PM MT) are processed the same business day; those submitted after the cutoff or on weekends are processed the next business day.

Interac e-Transfer Autodeposit

ATB supports Interac e-Transfer Autodeposit, which allows customers to register their email address or phone number so that incoming e-Transfers are deposited automatically without requiring a security question answer. This feature is configured within the ATB Personal app or web platform under the Interac e-Transfer settings and is particularly useful for customers who receive regular payments from known senders.

Key Features Available Through ATB Online

The table below summarises the primary features available across ATB's digital channels, indicating where each feature is accessible.

Feature	Web Platform	Mobile App	Business Online
Account balance and transaction history	Yes	Yes	Yes
Bill payments (personal)	Yes	Yes	Yes
Interac e-Transfer (send and receive)	Yes	Yes	Yes
Mobile cheque deposit	No	Yes	No
Statement download (PDF)	Yes	Limited	Yes
RRSP / TFSA / FHSA contributions	Yes	Yes	No
Government tax payments (CRA, Alberta)	Yes (GPFS)	No	Yes (GPFS)
Payroll file upload (EFT)	No	No	Yes
Biometric login	No	Yes	No
Push notifications for transactions	No	Yes	No
ATB Wealth account viewing	Yes	Yes	No
Credit card management	Yes	Yes	Yes

Who Can Access ATB Online

Any customer with an active ATB Financial account is eligible to enrol in ATB Online. This includes holders of personal chequing and savings accounts, ATB Advantage accounts, agricultural accounts, and business accounts. Customers who have never set up online banking must complete a one-time enrolment process, which requires their ATB debit card number, the card's PIN (used to verify identity during setup), and a valid mobile phone number for OTP delivery.

Joint account holders each receive their own separate ATB Online credentials. One account holder's login does not automatically grant visibility into accounts held solely by the other party, though shared accounts appear in both profiles once linked during enrolment.

Customers under 18 who hold youth accounts with ATB can access ATB Online, though certain features — such as overdraft management and credit products — are restricted based on account type rather than platform access.

ATB Online vs. In-Branch Banking: What You Can and Cannot Do Digitally

ATB Online handles the overwhelming majority of routine banking transactions. However, some activities still require a branch visit or a call to ATB's contact centre:

• Opening a new account type for the first time (initial identity verification under FINTRAC regulations typically requires in-person or video identification)
• Depositing cash or large volumes of physical cheques
• Notarising or certifying documents
• Applying for a mortgage (though pre-qualification tools exist online)
• Resolving complex fraud disputes that require manual investigation
• Obtaining a bank draft or certified cheque

For everything else — paying bills, transferring money, reviewing statements, contributing to registered accounts, managing credit cards, and communicating with ATB through secure messaging — ATB Online is fully capable and is ATB's preferred service channel for routine interactions.

How to Access and Use ATB Online: Complete Step-by-Step Guide

ATB Online gives personal and business customers full access to their accounts through a browser or mobile app. The fastest path: go to atb.com, click Sign In, enter your username and password, complete two-step verification, and you are inside your dashboard. Everything below expands on that process and covers every practical task you will need to perform.

Step 1: Set Up Your ATB Online Access for the First Time

Before you can sign in, you need to register. ATB does not automatically create online credentials when you open an account in branch. You must activate access yourself.

1. Go to atb.com and click Sign In in the top-right corner.
2. On the login screen, select Register for online banking or First time user.
3. Enter your ATB debit card number and the card's PIN to verify your identity.
4. Create a unique username. ATB usernames must be between 6 and 32 characters and cannot be your account number or card number.
5. Create a strong password. Use at least 8 characters, mixing uppercase, lowercase, numbers, and symbols.
6. Set up your two-step verification method. ATB supports SMS text codes and authenticator apps. Choose an authenticator app if possible — it is more secure and works without cell service.
7. Accept the terms and conditions and complete registration.

Once registered, your username and password are your permanent credentials. Keep them separate from your debit card PIN, which is a different piece of information used only at ATMs and point-of-sale terminals.

Step 2: Sign In Through a Browser

1. Navigate to atb.com. Bookmark this address directly — do not search for it each time, because search results can surface phishing pages.
2. Click Sign In and select ATB Personal or ATB Business depending on your account type.
3. Enter your username and password.
4. Complete two-step verification by entering the code sent to your phone or generated by your authenticator app.
5. You land on the main dashboard, which shows your account balances, recent transactions, and quick-action buttons.

Supported browsers include current versions of Chrome, Firefox, Safari, and Edge. ATB does not support Internet Explorer. If the login page fails to load or behaves unexpectedly, clear your browser cache before trying again.

Step 3: Download and Use the ATB Personal Mobile App

The ATB Personal app is the recommended way to bank on a phone. It is available on the Apple App Store and Google Play. The app offers the same core features as the browser version plus mobile-specific tools like cheque deposit by photo and biometric login.

1. Search for ATB Personal in the App Store or Google Play. Confirm the developer is ATB Financial before downloading.
2. Open the app and tap Sign In.
3. Use your existing online banking username and password — the same credentials you created during registration.
4. Complete two-step verification on first login from a new device.
5. Enable Face ID, Touch ID, or fingerprint login when prompted. This speeds up future sign-ins without reducing security.

The app supports ATB Personal accounts. Business banking customers use a separate product — check atb.com for the current business banking app details, as ATB periodically updates its product lineup.

Step 4: Navigate the Dashboard and Find Your Accounts

After signing in, the dashboard lists all accounts linked to your profile: chequing, savings, credit cards, loans, mortgages, and investment accounts. Click or tap any account name to see its full transaction history, current balance, and available balance. The available balance reflects funds you can actually spend after holds are applied.

• Chequing and savings accounts show recent transactions, interest earned, and a downloadable statement option.
• Credit card accounts show your current balance, minimum payment due, payment due date, and credit limit.
• Loans and mortgages show outstanding principal, next payment date, and amortization details.
• Investment accounts show holdings, market value, and contribution room for registered accounts like TFSAs and RRSPs.

Step 5: Transfer Money Between ATB Accounts

1. From the dashboard, select Transfers or tap the transfer icon.
2. Choose the source account (where money comes from) and the destination account.
3. Enter the amount and an optional memo.
4. Select Transfer Now for immediate processing or schedule a future date.
5. Review the confirmation screen and submit.

Transfers between your own ATB accounts are instant and free. Transfers to accounts at other financial institutions use Interac e-Transfer or external transfer options, which may take one to three business days.

Step 6: Send and Receive Interac e-Transfers

1. Go to Transfers and select Interac e-Transfer.
2. To send: choose the source account, enter the recipient's email address or phone number, set the amount, create a security question and answer, and send. Notify the recipient of the answer through a separate channel — do not include it in the transfer message.
3. To receive: ATB supports Autodeposit. Set it up once under your e-Transfer settings by linking your email address to a deposit account. Future incoming transfers deposit automatically without requiring you to answer a security question.
4. To request money: select Request Money, enter the sender's contact, specify the amount, and send the request.

Standard Interac e-Transfer limits at ATB are set per account. You can view and request changes to your daily and 30-day limits inside the e-Transfer settings menu.

Step 7: Pay Bills Online

1. Select Pay Bills from the main menu.
2. If paying a new payee for the first time, click Add Payee, search by company name, and enter your account number with that payee exactly as it appears on your statement.
3. Select the payee, choose the source account, enter the payment amount, and choose the payment date.
4. Review and confirm.

Bill payments submitted before ATB's daily cutoff time (typically 9:00 PM MT on business days) are processed the same day. Payments submitted after the cutoff or on weekends and holidays process the next business day. Schedule recurring payments for regular bills like utilities or insurance to avoid missed due dates.

Step 8: Deposit Cheques Using the Mobile App

1. Open the ATB Personal app and select Deposit Cheque.
2. Choose the account to deposit into.
3. Enter the cheque amount.
4. Photograph the front of the cheque in good lighting, then the back. Endorse the back of the cheque before photographing it — write your signature and "For ATB Mobile Deposit Only."
5. Submit and retain the physical cheque for at least 90 days before destroying it, in case of any processing issues.

Step 9: Manage Statements and Documents

ATB Online allows you to switch to paperless statements, which are available immediately after each statement period closes. To access statements: go to your account, select Statements or Documents, and choose the period you need. Statements download as PDF files. ATB retains up to seven years of statements online for most account types.

Step 10: Use the Government Payment and Filing Service (GPFS)

ATB Online is connected to the Government Payment and Filing Service, which lets businesses pay federal and provincial government remittances directly through online banking. To use it:

1. Sign in to ATB Business Online.
2. Navigate to Government Payments or GPFS.
3. Select the payment type — options include corporate income tax, GST/HST, payroll source deductions, and Alberta provincial taxes.
4. Enter your business number and the payment amount.
5. Choose the payment date and confirm.

GPFS payments are processed directly to the Canada Revenue Agency or the Government of Alberta. Confirm each payment's processing deadline with the relevant agency, as CRA has specific due dates that differ by remittance type.

Common Mistakes to Avoid With ATB Online

Most problems with ATB Online stem from a small set of avoidable errors. Knowing them in advance saves time and prevents financial loss.

Mistake	Why It Causes Problems	What to Do Instead
Using the same password as another site	If that other site is breached, attackers try the same credentials on banking sites	Use a unique password stored in a password manager
Clicking sign-in links from emails or texts	Phishing emails mimic ATB's branding exactly	Always type atb.com directly into your browser
Skipping two-step verification setup	Without it, a stolen password gives full account access	Enable two-step verification immediately after registration
Sharing security question answers in the e-Transfer message	The recipient's email or phone could be compromised	Send the answer through a separate channel like a phone call
Ignoring bill payment cutoff times	Late payments can result in fees or service interruptions	Schedule payments at least one business day before the due date
Not enrolling in Autodeposit for e-Transfers	Incoming transfers expire if not accepted within 30 days	Set up Autodeposit once to receive funds automatically
Using public Wi-Fi without a VPN	Unsecured networks can expose session data	Use mobile data or a trusted VPN on public networks
Destroying a deposited cheque immediately	If the deposit fails or is disputed, you need the original	Keep the cheque for at least 90 days after mobile deposit

What to Do If You Cannot Sign In

Locked accounts and forgotten credentials are the most common support issues. Work through these steps before calling ATB:

• Forgotten username: Use the Forgot Username link on the login page. ATB will verify your identity using your debit card number and PIN, then display or reset your username.
• Forgotten password: Use Forgot Password and follow the identity verification steps. You will receive a reset link or temporary code.
• Account locked after too many failed attempts: ATB locks accounts automatically as a security measure. Call ATB's contact centre at 1-800-332-8383 to unlock it after verifying your identity.
• Two-step verification code not arriving: Check that your phone number on file is current. If you changed your number without updating ATB, you will need to call to regain access.
• Browser errors or blank screens: Clear your browser cache and cookies, disable browser extensions, and try a different browser or device.

Security Practices ATB Will Never Ask You to Do

ATB Financial has stated clearly that it will never ask you to share your full password, your two-step verification code, or your debit card PIN through any channel — not by phone, email, text, or chat. If anyone contacts you claiming to be ATB and asks for these details, end the contact immediately and call ATB directly using the number on the back of your card or on atb.com.

Keeping Your ATB Online Profile Current

Outdated contact information is the single most common reason customers get locked out of their accounts permanently. Review and update these details inside your profile settings at least once a year:

• Mobile phone number used for two-step verification codes
• Email address used for e-Transfer notifications and account alerts
• Mailing address for any physical correspondence
• Trusted devices list — remove any device you no longer use or own

Setting up account alerts is also strongly recommended. ATB allows you to configure notifications for large transactions, low balances, new sign-ins from unrecognized devices, and bill payment confirmations. These alerts arrive by email or push notification and give you an immediate signal if anything unexpected happens on your account.

ATB Online Tools, Automation, and Getting the Most from Digital Banking

ATB Online offers a suite of built-in tools that reduce manual effort, automate routine financial tasks, and give you measurable insight into your money. From scheduled transfers to real-time spending dashboards, these features are designed to work in the background so your finances stay organized without constant attention.

Automated Transfers and Scheduled Payments

One of the most practical features inside ATB Online is the ability to set recurring transfers between your own accounts or to external payees. You choose the amount, frequency, and start date, and the system handles execution automatically. This is particularly useful for:

• Moving a fixed amount to a savings account every payday to build an emergency fund
• Paying a recurring bill on a set date each month without logging in manually
• Splitting a deposit across a chequing account and a TFSA or RRSP automatically
• Sending regular e-Transfers to family members or shared-expense partners

To set up a recurring transfer, log in to ATB Online, navigate to Transfers, select the source and destination accounts, enter the amount, and choose a repeat schedule. You can edit or cancel a scheduled transfer at any time before it processes.

Pre-Authorized Debits and Bill Payment Automation

Beyond transfers you initiate, ATB Online supports pre-authorized debits, where a payee is given permission to pull funds from your account on a schedule. This is common for insurance premiums, utility bills, and subscription services. You can track all active pre-authorized debits through the account activity view and flag or dispute any unauthorized pull directly through the platform or by contacting ATB support.

For bill payments, ATB Online stores your payee list so you do not need to re-enter account numbers each time. You can schedule a one-time payment in advance or set a recurring payment for fixed-amount bills. Variable bills, such as credit card balances, require manual entry of the amount each cycle unless you set a fixed minimum or full-balance instruction with the payee directly.

Alerts and Notifications

ATB Online and the ATB Personal mobile app both support customizable account alerts. These are push notifications or email messages triggered by specific account events. Useful alert configurations include:

• Low balance alert: Notifies you when your chequing account drops below a threshold you define, giving you time to transfer funds before a payment fails
• Large transaction alert: Flags any debit or credit above a set dollar amount, which helps catch unauthorized activity quickly
• Deposit received alert: Confirms when a direct deposit or e-Transfer arrives
• Upcoming payment reminder: Sent a set number of days before a scheduled bill payment processes

Alerts are configured under your profile or notification settings inside ATB Online. Keeping these active is one of the simplest ways to stay aware of your account activity without checking your balance every day.

Spending Insights and Budgeting Tools

ATB Personal includes a spending categorization feature that automatically groups your transactions into categories such as groceries, dining, transportation, and utilities. Over time, this builds a picture of where your money goes each month. You can view spending by category, compare months side by side, and identify patterns that may not be obvious when looking at individual transactions.

These insights are most useful when reviewed monthly. If your dining category spikes in a particular month, you have a concrete data point rather than a vague sense that you spent more than usual. The tool does not require any manual tagging for most transactions, though you can recategorize entries that are miscategorized by the automatic system.

How AutoSEO Connects to ATB Online Optimization

For businesses and financial professionals who manage ATB Online accounts as part of a broader digital presence, tools like AutoSEO can automate the process of ensuring that content about ATB Online banking features, login processes, and service updates stays current and visible in search results. AutoSEO works by continuously auditing on-page content, identifying gaps between what users search for and what a page delivers, and generating structured updates automatically. In the context of ATB Online, this means that a financial advisor's website, a business banking resource page, or a fintech comparison site can stay aligned with how ATB's features evolve without requiring constant manual rewrites. AutoSEO handles the monitoring and content refresh cycle so that accurate, useful information about ATB Online reaches users at the moment they need it.

Measuring Success with ATB Online

Success with ATB Online is not just about logging in successfully. It means your digital banking setup is actively supporting your financial goals. Here are the key indicators that your ATB Online usage is working effectively.

Metrics Worth Tracking

Metric	What It Tells You	How to Check It
Number of manual bill payments per month	Lower is better; automation is working if this is near zero	Review scheduled payments list in ATB Online
Savings account balance growth	Confirms automated transfers are executing as planned	Compare month-over-month in account history
Overdraft incidents	Frequent overdrafts suggest alerts or transfers need adjustment	Account activity and fee summary
Unrecognized transactions flagged	Measures how quickly alerts catch potential fraud	Alert history and account review
Time spent on routine banking tasks	Automation should reduce this over time	Self-assessed; aim for under 15 minutes per week
Spending category variance	Shows whether spending aligns with your intended budget	Spending insights tool in ATB Personal app

Regular Review Cadence

A monthly review of your ATB Online setup takes less than 30 minutes and covers the most important ground. Check that all scheduled payments processed correctly, review your spending categories for the month, confirm your savings transfers executed, and scan for any alerts you may have dismissed without acting on. Quarterly, revisit your payee list to remove outdated entries and review whether your alert thresholds still make sense given any income or expense changes.

FAQ

What is the web address for ATB Online banking?

The official ATB Online banking portal is accessed at atb.com. From the homepage, select Sign In to reach the login screen for personal accounts. Always verify you are on the legitimate ATB Financial domain before entering your credentials, and avoid clicking login links sent through unsolicited emails or text messages.

What do I do if I am locked out of my ATB Online account?

If your account is locked after too many failed login attempts, you cannot unlock it yourself through the website. You need to contact ATB directly. Call ATB Everyday Banking at 1-800-332-8383, available 24 hours a day, seven days a week. An agent will verify your identity and restore access. If you have forgotten your password but are not yet locked out, use the Forgot Password link on the login page to reset it through your registered email or phone number.

Can I use ATB Online to pay government bills and taxes?

Yes. ATB Online supports the Government Payment and Filing Service (GPFS), which allows you to pay federal and provincial government obligations including corporate income tax, GST/HST, payroll source deductions, and Alberta corporate tax. To use this, add the relevant government agency as a payee through the bill payment section. The payee names and account number formats required are listed on the Canada Revenue Agency and Alberta government websites. Payments typically process within one to three business days, so submit them before the due date to avoid penalties.

Is ATB Online available outside of Alberta?

ATB Financial is an Alberta-based institution, but ATB Online is accessible from anywhere with an internet connection. If you are traveling or living temporarily outside Alberta, you can still log in, transfer funds, pay bills, and send e-Transfers through the web portal or ATB Personal mobile app. Note that ATB does not operate physical branches outside Alberta, so for cash transactions or in-person services while away, you would need to use ATMs or partner networks.

How do I add a new bill payee in ATB Online?

Log in to ATB Online and go to the Bill Payments section. Select Add Payee and search for the company or government agency by name. Once you find the correct payee, enter your account number as it appears on your bill or statement. Confirm the details and save. The payee will appear in your list for all future payments. If you cannot find a payee by name, try variations of the company name or check the payee list on the ATB support pages for common alternatives.

What is the daily e-Transfer limit for ATB Online?

ATB's standard daily Interac e-Transfer sending limit for personal accounts is $3,000 per day, with a weekly limit of $10,000. These limits apply to the total of all e-Transfers sent within the rolling period. If you need to send a larger amount, contact ATB to discuss whether a limit increase is available for your account type, or consider using a wire transfer for large one-time payments. Limits for business accounts through ATB Business may differ and can be confirmed through ATB's business banking team.

Can I open a new account entirely through ATB Online?

Existing ATB customers can open additional accounts, such as a savings account, TFSA, or GIC, directly through ATB Online without visiting a branch. If you are a new customer with no existing ATB relationship, you can begin an application online through atb.com, though identity verification requirements may require additional steps. The online account opening process typically asks for your Social Insurance Number, government-issued ID details, and basic personal information. Once verified, the account is available in your ATB Online dashboard.

How does ATB Online protect my account from fraud?

ATB Online uses multiple layers of security including encrypted connections (HTTPS), session timeouts after periods of inactivity, and multi-factor authentication for login and high-risk transactions. ATB also monitors accounts for unusual activity patterns and may contact you if a transaction appears out of character. On your end, you can strengthen security by enabling all available two-step verification options, setting up transaction alerts, using a unique password not shared with other sites, and never sharing your login credentials with anyone, including people claiming to be ATB staff.

Does ATB Online work on all browsers and devices?

ATB Online is compatible with current versions of major browsers including Chrome, Firefox, Safari, and Edge on desktop and laptop computers. For mobile devices, ATB recommends using the ATB Personal app, available on iOS through the Apple App Store and on Android through Google Play, rather than a mobile browser. The app is optimized for touchscreens and provides the full feature set including mobile cheque deposit, which is not available through a browser. If you experience display or functionality issues on the web portal, clearing your browser cache or switching to a supported browser resolves most problems.

What should I do if a scheduled payment did not process correctly?

First, check your account activity to confirm whether the payment was attempted and whether it failed due to insufficient funds, a payee error, or a system issue. If the payment shows as processed but the payee has not received it, allow two to three business days before escalating, as processing times vary by payee. If the payment did not process at all, verify the scheduled payment is still active in your payments list and that the account had sufficient funds on the processing date. Contact ATB at 1-800-332-8383 if you cannot identify the cause or if a payment failure has resulted in a late fee with a payee, as ATB may be able to provide documentation to support a fee waiver request.