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Frequently Asked Questions
If I’m in the United States or Europe, can I access my transaction accounts from an ABM?
Of course. You can access the funds available in your chequing and savings accounts at an ABM on the CIRRUS®3 network. You can also use your National Bank MasterCard to get cash advances. Visit the MasterCard Web site to locate all CIRRUS®3 ABMs worldwide.Can I access my US$ transaction account with my Client Card?
The NYCE network lets you use your Client Card at over a million merchants in the United States. Once the US dollar amount of your purchase is confirmed, the transaction is converted into Canadian dollars and debited from your account.
Unfortunately, no. Client Cards only access CDN$ transaction accounts.
In Canada and the United States you can call us toll-free at 1-888-835-6281. From abroad, you can call us collect at 514-394-5555.
When you're travelling, you don’t want to carry a lot of cash in case it gets lost or stolen. American Express®2 travellers cheques are negotiable instruments that let you travel around world without having to carry large amounts of cash on you. If lost or stolen, they are reimbursed in less than 24 hours.
Travellers cheques remain valid until they are cashed. They are available in the following currencies:
For direct payments, the NYCE network doesn’t charge any additional fees for transactions at a merchant.
For ABM transactions, the CIRRUS network assesses a $3 fee charged by the bank and surcharged by the other financial institution (depends on the institution).
Our Electronic Banking Solutions1 allow you to access your transaction accounts and do day-to-day banking 7 days a week, wherever you are.
who sign up for a day-to-day banking services package?
Yes. All our clients are important to us. That’s why we offer two types of programs:
Our special programs for specific age groups meet the expectations of our youngest and oldest clients.
2. By age or occupation:
Financial packages for students and professionals provide access to a range of select products and services.
If you are a healthcare professional or student in:
Are you an 18 to 24-year old student who wants to: study; work; travel; shop—or borrow for your projects? See our 18-24 Solutions.
To get no-fee service:
For a flat monthly fee, our banking packages make managing your day-to-day business easier, help you save. They also give you access to Electronic Banking Solutions1 and other practical banking products and services. Use our comparison table to assess the packages and discover the advantages of each one.
Are you a professional? Discover the privileges in our packages for members of professional orders and students in professional studies, and take advantage of free access to Electronic Banking Solutions1 and exceptional savings on financial transactions.
All our packages include Electronic Banking Solutions1. Use our tool to compare and choose the package that suits you.
As a rule, you get a Client Card when you open a transaction account. However, if you already have a transaction account, just drop by your branch with two valid pieces of ID so that you can be positively identified. You will be given a card right away and be able to choose a Personal Identification Number (PIN) directly at the ABM.
If the branch does not have ABMs, your card and PIN will be mailed to you.
Children as young as 7 can have a Client Card, but they are limited to deposits. If a minor wants a Client Card with no restrictions—a card that will enable him or her to make deposits and withdrawals, and perform many other types of transactions permitted at our ABMs—parental approval is required. Just drop by your branch.
Yes, as long as it is a combination of 4 numbers. But, you have to keep security in mind. For instance, never use numbers based on your name, date of birth, address, telephone number, social insurance number or combinations that could be traced to you.
Yes. To change your PIN, just go to any National Bank ABM that has the "PIN SELECTION" option in the main menu. Since ABMs are available 24/7, you don’t have to go to a branch during banking hours to do it.
Just go to any National Bank branch and a representative will give you a replacement. A new temporary password will be issued which then change by entering your PIN.
Note for Québec clients: cards cannot be replaced outside Québec.
If your card is lost, stolen or retained by an ABM, call 1-800-361-0070 or 514-281-3159 right away. These numbers are available 24/7 for your protection. You can also call TelNat between 6 a.m. and midnight, 7 days a week, at 1-888-4-TELNAT-1 or 514-394-5555. Once National Bank has been notified, your card will be cancelled immediately and you will be referred to a branch to get a new one.
No transactions can be performed without your PIN. If you follow these instructions, you can eliminate all risk of fraud:
Your Personal Identification Number (PIN) is NOT on the magnetic stripe. The magnetic stripe stores information such as card number, expiration date and language code.
Using a Client Card is safer than carrying cash. In fact, Client Card purchase is the most popular form of payment in Canada, with the total number of transactions forecast to reach 2.5 billion in 2003 according to the Interac Association. The number of transactions of this type is growing from year to year.
The most common way a criminal gets someone’s PIN is by positioning him or herself to see the cardholder enter the PIN when they use their Client Card at an ABM or to make a purchase. So you shouldn’t feel embarrassed to tell people to look away when you’re doing a transaction. After all, your PIN is the key to accessing your transaction account.
I’ve deposited right away. Why?
When your Client Card is issued, you are assigned a deposit-withdrawal-rating based on your credit file. This rating determines how much you can withdraw from a deposit as well as the number of days the amount will be frozen. To find out your deposit withdrawal rating, contact your branch or call TelNat at 1-888-4-TELNAT-1 or 514-394-5555.
Depending on the funds available in your account, you can withdraw a maximum of $500 a day and up to $1,500 per week from an ABM using your Client Card. If your MasterCard is equipped with a PIN, the same withdrawal limits apply.
A list of the most frequently used codes is available here.
You can subscribe free of charge to online statements via National Bank’s Internet Banking Solutions. You can view your monthly account statements for a period of up to 30 months.
You can view the rates that currently apply to your transaction accounts.
®1 Registered trademark of Interac Inc.