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Students
Notarial law 
Also offered:
Financial Package for notaries
View At a Glance

Advantages
Chequing Account Student Line of Credit Credit Card
Contenu du sous-menu "CHEQUING ACCOUNT"


Summary


Monthly fee

$0.00/month
(for the duration of the studies)


Automated services included

Client Card purchases in Interac®, NYCE®1 and Maestro®2 networks

Transactions at National Bank banking machines1:
withdrawals, transfers, bill payments and withdrawals for bill payments

Transactions at National Bank branch counters: withdrawals, transfers, bill payments and withdrawals for bill payments

Online transactions2: transfers, transfers to another person and bill payments


Cheques and Debits

  
Cheques and Pre-Authorized Debits
200 personalized cheques per year


Other services included
Online, mailed or passbook account statement

Overdraft protection

Use of THE EXCHANGE®3 banking machine network

( Included in this package)
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1 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 SYSTEM 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.

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1 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 SYSTEM 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
Regular rate2
19.5% / $90 per year
No annual fee for the first 2 years3!
Reduced rate Not offered
Additional card No annual fee (included)
Rewards plan Yes
Minimum credit limit
$500 (depending on your credit file)
Rewards program
Generous rewards plan
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!
Insurance Coverage
  • Purchase insurance covering most items purchased using your card against theft or damage for a period of 180 days.
  • Extended warranty on purchases made with your OVATION Gold credit card that triples the manufacturer's warranty, up to two additional years.
  • Exoneration from liability in case of collision, theft or damage to a rented vehicle for a period of 31 days or less.
  • Personal effects insurance of up to $2,000 per vehicle rental period against theft or vandalism.
  • A discount of up to $200 on the regular rate of any Quebec Blue Cross travel insurance product.
Other Options and Advantages
  • An automatic 50% discount4 on all banking packages as well as the ClickStudent banking program, up to $5 per month
  • Medical, general and legal assistance5
    • In case of a medical, administrative or legal problem, you can get help anywhere in the world, 24 hours a day, by calling a toll-free number.
    • You will be referred to a legal advisor in the event of an emergency, even if you are abroad.
    • If necessary, bail and legal fees can be paid by means of a cash advance from your credit card.

Interested in this Package?
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1 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.
5

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.
Write to us
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Toll free telephone number
1-866-987-1031

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