How ATB Mastercard® protects you with Zero Liability

March 7, 2019 ATB Financial

How ATB Mastercard protects you with Zero Liability

If you’ve already made purchases using your ATB Mastercard®, you’ve not only earned cash back or travel rewards—you’ve also enjoyed the peace of mind that comes with having Zero Liability, Purchase Assurance and Extended Warranty Insurance. Didn’t know you had those? Not sure what they are? Read on.

What is Zero Liability?

Imagine this: You log into ATB Online to check your Mastercard® balance. When you get there, things look off. Your balance owing is higher than it should be and there are a handful of charges originating in Minnesota...but you weren’t in Minnesota.

You’ve likely been the target of hacking, skimming or phishing. In other words, your credit card information was stolen and used to make unauthorized transactions. The good news? You won’t be held accountable for those charges (even if your card was lost or stolen) because you automatically have Zero Liability coverage.

Zero Liability also makes ATB Mastercard® the ideal choice for setting up your default payment option for your iTunes, Amazon, Starbucks or other card-on-file shopping, because you’re fully protected if something happens.


Okay. What about Purchase Assurance ?

Dealing with damage or theft is never fun, but it’s especially frustrating when it’s something you just purchased.

Most new items you purchase are automatically protected by Purchase Assurance if they are damaged or stolen anywhere in the world within 90 days of purchase. As long as you paid for the item with your ATB Mastercard® and/or points, it will be repaired, replaced or you’ll be reimbursed the purchase price.


Got it. Now what’s this Extended Warranty Insurance 1 ?

Have you ever noticed how things break the minute the warranty expires?

Outsmart your home electronics, furniture, appliances and more with double the period of repair services provided by the original manufacturer’s warranty, to a maximum of one additional year. Most new items are covered as long as you paid for it with your ATB Mastercard® and/or points.



Zero Liability, Purchase Assurance and Extended Warranty are just a few of the many benefits that come automatically with an ATB Mastercard®. For more on:

  • Zero Liability: refer to your Cardholder Agreement or view it online here
  • All your insurance coverages: refer to your Certificate of Insurance or view it online here
  • Everything Mastercard® has to offer you: call us at 1-888-282-5678

® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.

1 Insurance coverage is underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida and is subject to limitations and exclusions. Please refer to the insurance certificate for full details. ​​​


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