User fees fo the Interac® banking machine and point-os-sale network and the CIRRUS®4 banking machine network are also payable. No additional fees apply for the use of THE EXCHANGE®3 banking machine network
2
Certain browser versions are required to access National Bank's Internet banking services. For information, go to bnc.ca/browsers.
®
Registered trademark of Interac Inc.
®1
NYCE is a registered trademark of NYCE Payments Network, LLC.
®2
Maestro is a registered trademark of MasterCard International Inc. Currency exchange charges apply. For complete details about transactions in foreign currencies, please refer to the Agreement Governing the Use of Automated Services and Electronic Banking Solutions, available in branches or at bnc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and the converted into Canadian dollars.
®3
Registered trademark of FISERV Inc.
®4
Registered trademark of CIRRUS SYSTEMS Inc.
Contenu du sous-menu "STUDENT LINE OF CREDIT"
Student Line of Credit1
The National Bank Student Line of Credit is a convenient and flexible solution for:
Financing all your annual tuition and education-related expenses.
Designed as a regular Chequing account you can access your funds at any time via Client Card purchases, Electronic Banking Solutions or cheques.
Main Advantages
Advantageous rate
Credit limit established according to your needs
Funds instantly accessible at all times
Interest is charged only on the portion of the principal used
Option of deferring principal payments for up to 12 months after you complete your studies, within your credit limit. However, interest accrues during that period. Only interest and insurance premium payments (if applicable) must be made monthly
Your repayment period can be as long as 7 years after the end of your fill-time studies
Annual Credit Limits
Year 1
Year 2
Year 3
Year 4
$7,000
$14,000
$21,000
$28,000
Total limit at the end of undergraduate program: $28,000
Credit line increase for graduate: $7,000
Maximum credit limit: $35,000
No-Fee Transaction Services
Client Card purchases in Interac®, NYCE®1 and Maestro®2 networks
Bill payments at National Bank ATMs2
Online or mailed account statement
Overdraft protection
For more information regarding the advantages and conditions of National Bank's Student Line of Credit, talk to an advisor at the branch nearest you.
Subject to credit approval by National Bank of Canada. Certain conditions apply. A guarantor who meets the Bank's criteria may be required. The annual amount is based on your personal budgetary requirements. Gradual limit increases are possible.
2
User fees for the ABM network, Interac® outlets, and the CIRRUS®3 network are also payable. No additional fees apply for the use of THE EXCHANGE®4 banking machine network.
®
Registered trademark of Interac Inc.
®1
NYCE is a registered trademark of NYCE Payments Network, LLC.
®2
Maestro is a registered trademark of MasterCard International Inc. Currency exchange charges apply. For complete details about transactions in foreign currencies, please refer to the Agreement Governing the Use of Automated Services and Electronic Banking Solutions, available in branches or at bnc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and the converted into Canadian dollars.
®3
Registered trademark of CIRRUS SYSTEMS Inc.
®4
Registered trademark of Fiserv Inc.
Contenu du sous-menu "CREDIT CARD"
OVATION Gold® MasterCard®1,1
The OVATION Gold MasterCard gives you access to a complete insurance program and an valuable rewards program
Each time you make a purchase with your Ovation Gold MasterCard, you earn points that can be redeemed for great rewards! For each dollar spent, you earn 1.25 points.
Use your Ovation Gold card for every day purchases
Earn 1.25 point for every dollar charged to your credit card
Redeem your points at the online Boutique and discover a variety of rewards including many available exclusively on the website!
How to earn points faster
Use your credit card to pay for your everyday expenses such as groceries, gas, bills, etc.
Ask for an additional card for your spouse or anyone else. Their purchases will be added to your balance thereby generating more points for you!
Subject to credit approval by National Bank of Canada. Certain conditions apply.
2
Grace period: no interest will be charged on the purchases made during the month if the balance is paid in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances and balance transfers. Minimum payment: the minimum payment to be made to the Bank every period shall be equal to 3% of the unpaid balance indicated on the monthly statement or a minimum of $10 whichever amount is higher (or the new unpaid balance if it is lower than $10). Account statement: a statement of account is sent on a monthly basis.
Examples of interest charges for a 30-day period at the rate applicable on October 1st, 2011:
Average Balance
Annual Interest Rate
$500
$3,000
19.5%
$8.01
$48.08
3
Two years after the card is issued, the annual fee in effect at that time will be billed automatically and will appear on the account statement.
4
The discount represents a privilege granted to main OVATION Gold cardholders who have an eligible National Bank banking program or package issued in their name. The discount can only be granted if the OVATION Gold account is in good standing at the time of the monthly bank account billing. The 50% discount does not apply to financial programs, which already feature preferential pricing. Eligible packages and programs which already feature a fee exemption (because of a compensating balance for example), or special or negotiated pricing, do not qualify for the 50% discount. Only one monthly discount will be applied per eligible package or banking program A customer having more than one eligible banking package or program will get a discount on each one. Cardholders who are 60 and over are currently entitled to a monthly $5 rebate on the Virtuoso and AccessPlus packages. As main OVATION Gold cardholders, they qualify for an additional 50% discount on the reduced monthly fees applied to these two packages, to a maximum of $5 per month.
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Services offered and insured by CanAssurance, a subsidiary of Blue Cross.
®
OVATION Gold is a registered trademark of National Bank of Canada.
®1
MasterCard is a registered trademark of MasterCard International Inc. Authorized user: National Bank of Canada.
Do you need financial planning advice?
Here are three easy ways to contact a National Bank Financial Planner:
