Financial Packages
Professionals
Healthcare

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Healthcare Students

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Chequing Account Credit Card Financing Investment For Your Business
Contenu du sous-menu "CHEQUING ACCOUNT"

Summary

Monthly fee

0.00 $ / month

Automated services included

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

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

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


Cheques and debits included

Cheques and preauthorized debits

Unlimited personalized cheques
Cheque certification
American Express®5 travellers cheques for one
American Express®5 travellers cheques for two: fee of 0.5% on the amount requested


Other services included

Drafts or money orders
Online or mailed account statements
Overdraft protection

Use of THE EXCHANGE®4 banking machine network
Safety deposit box3: 50% off rental charges

( Included in the package)


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Contenu du sous-menu "CREDIT CARD"
World MasterCard®, 1
A world of privilege
For those who want more than just a travel card: prestige, flexibility and generosity.
Regular rate
19.5% Purchases / $125 per year2
Cash advances and balance transfers
19.5%
Rewards Rewards Plan: Included
Additional card No fee
Minimum credit limit $5000
(depending on your credit file)

The World MasterCard credit card allows you to accumulate points at an accelerated pace.

Indeed, as the table below illustrates, during the 12-month reference period, for each dollar in purchases between $20,001 and $30,000 charged to your account, you’ll accumulate 0,5 additional point.

Net purchase volume3 over
12 months:
0 to $20,000 = 1.5 points per dollar in purchases
$20,001 to $30,000 =

2 points per dollar in purchases

$30,001 and more = 1.5 points per dollar in purchases

Accelerated point accumulation is calculated based on a period of 12 months from the date at which the account was opened.

You can redeem your points to obtain:

  • brand name products,
  • gift cards,
  • À la carte Extras,
  • a donation to a cause you hold dear.

You can also exchange your points for a travel discount, and use them to save on flights, packages, hotels, excursions, vehicle rentals, train tickets, etc. There’s no restriction related to dates or the choice of travel agency. It’s all up to you.

Points exchanged Travel savings
11,000 points $100
50,000 points

$500

More than 50,000 points Above and beyond 50,000 points in the same transaction, every 10,000 points segment entitles you to an additional $100 travel discount.

Details

A complete travel-insurance program4

  • Out-of-Province-of-Residence Medical/Hospital Insurance up to $5,000,000. Maximum trip coverage period is calculated based on age.
Age Maximum Trip Length
54 and under 60 days
55 to 64

31 days

65 to 74 15 days

Trips exceeding the maximum admissible length will not be covered by the Medical/Hospital Insurance. Coverage applies to Primary cardholder, their spouse and any dependent children.

  • Trip Cancellation Insurance up to $2,500 per person.
  • Trip Interruption Insurance up to $5,000 per person.
  • Flight Delay Insurance up to $500 per person for flights delayed 4 hours or more.
  • Baggage Insurance up to $1,000 per person in case of theft, burglary, disappearance, or vandalism, plus up to $500 per person should your checked baggage be delayed more than 6 hours.

The Concierge Service

The World MasterCard credit card gives you all-time access to a wide range of services designed to make your life easier. Shows, restaurants, trips, sporting events, golf: Our thoughtful staff is here to help. They can offer information and recommendations as well as make reservations—here and abroad!

Annual statement helps you manage your finances

Once a year, you'll receive a comprehensive statement listing all charges to your World MasterCard.

Reassuring protection4

Vehicle Rental Insurance
  • Exoneration from liability in case of collision, theft or damage to any vehicle rented for a period of 48 days or less.
  • Personal Effects Insurance of up to $2,000 per rental period in case of theft or vandalism.
Purchase Protection
  • Purchase Insurance provides protection in case of theft or damage for 180 days following the date of purchase.
  • An Extended Warranty triples the manufacturer’s coverage period for up to two additional years.
MasterCard’s Zero Liability5
  • Protects you against all liability if unauthorized purchases are made with your credit card. This coverage extends to purchases made in-store, over the telephone and online.
Medical, general and legal assistance
  • 24-hour toll-free number for medical, administrative and legal problems, anywhere in the world.
  • You will be referred to a lawyer 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 on your credit card.
  • Assistance if your baggage is lost or stolen.
  • Assistance replacing travel documents and tickets that are lost or stolen while you're away.
  • Emergency cash transfers.

Insurance certificate

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Contenu du sous-menu "FINANCING"

Personal Flex Line®

This line of credit1 gives you access to financing and provides an easy way to manage your banking transactions.

Main advantages:

  • Credit limit based on your needs and borrowing capacity
  • Advantageous interest rate
  • Access to funds at all times2
  • Possibility of using your Personal Flex Line as your main account

Automated services included

Client Card purchases in Interac®1, NYCE®2et Maestro®3 networks

Transactions at National Bank banking machines3: withdrawals, transfers, bill payments and withdrawals for bill payments

Online and mobile transactions4:
transfers, transfers to another National Bank client and bill payments


Cheques and debits included
Cheques and preauthorized debits

Unlimited personalized cheques
Cheque certification
American Express®6 travellers cheques for one
American Express®6 travellers cheques for two: fee of 0.5% on the amount requested


Other services included

Drafts and money orders
Online or mailed account statement
Overdraft protection

Use of THE EXCHANGE®5 banking machine network
Safety deposit box5: 50% off rental charges

For more information regarding the advantages of our Financing Solutions, please contact a financial advisor at the branch nearest you.

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Contenu du sous-menu "INVESTMENT"

Investment Solutions

Investments
Offered to professionals by National Bank

  • Conventional redeemable1 and non-redeemable fixed-rate GICs in CDN$2 and US$3
  • Progress RRSPs4
  • Progress LIRAs4
  • TFSA cash balance4
    • Receive a bonus of 0.25% on the posted rate5 for all these products

Private Investment Management
Offered to professionals by National Bank Trust
6

  • Asset management
    • Receive a 10% discount on first-year fees

For more information, please visit nbc.ca/pim.

Direct Brokerage
Offered to do-it-yourself investors by National Bank Direct Brokerage
7

National Bank Direct Brokerage gives you powerful tools, competitive pricing and unbeatable customer service to help you monitor your investments and keep you informed of market developments.

  • Credit balance in a brokerage account
    • Receive a bonus of 0.50%

  • Debit balance in a brokerage account
    • Receive a discount of 0.50%

  • RRSP/RRIF
    • Receive a 50% reduction on annual management fees

  • RESP
    • No annual management fees

For more information, please call 1-800-363-3511 or visit nbdb.ca.

Full Service Brokerage
Offered by National Bank Financial
8

Our investment advisors provide personalized services to guide you with your financial strategies, maximize your returns and reduce the risks associated with your investments, depending on your investor profile and on your risk tolerance. National Bank Financial can also provide advice on managing your assets.

  • RRSP, RRIF, RESP, TFSA, SSP II
    • Receive a 50% discount on annual administration fees

For more information, please call 1-800-361-8838 or visit info.nbf.ca.


For more information on the characteristics and advantages of our Investment Solutions, please make an appointment with a financial advisor at the branch nearest you.

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Contenu du sous-menu "FOR YOUR BUSINESS"


Our specialized account managers can help you with your projects :

  • Start up or relaunch a business
  • Finance an activity1
  • Acquire new office space
  • Finance specialized equipement1
  • Plus many other benefits!

For more information, please contact your account manager in your nearest branch, or
call 1-800-361-8688 (or 514-394-5000) extension 485212.

(Does not apply to pharmacists operating under a banner or professionals who are members of a commercial association)

Non-interest bearing current account

Carrying out your day-to-day transactions2 is easy.

  • No monthly fee for our Internet Banking Solutions3 - Business
  • The following transactions are free of charge: cheques and debits, withdrawals and deposits at the branch counter, credits, and automated and electronic transactions
  • No charge on deposit contents
  • A Business Client Card free of charge the first year. After that period, an annual fee of $25 will apply
  • Bill payments via National Bank banking machines and our Internet Banking Solutions3 - Businesses

Interest bearing current account

Put your excess cash to work for you.

  • A Business Client Card is free of charge the first year. After that period, an annual fee of $25 will apply
  • No monthly fees for ou Electronic Banking Solutions
  • 50% off transaction fees if an account balance of $25,000 is maintained
  • Interest payments at preferential rate on balances of $25,000 or more
  • Bill payments via National Bank banking machines and our Internet Banking Solutions3 - Businesses
  • No monthly fees for ou Electronic Banking Solutions and TelNat Business Automated Telephone Service

BusinessFlex Inc. line of credit

Capitalize on business opportunities and carry out your transactions.

  • Advantageous interest rate
  • Minimal account management fees
  • No transfer charges
  • Balance information available via our Electronic Banking Solutions
  • Advances automatically repaid based on the funds available in your current account
  • Interest calculated only on the portion of the line of credit used (transfers rounded to the nearest dollar)
  • Loan insurance (life insurance) available at any time on your line of credit4
Term loan

Help your business grow over the medium and long term.

  • Discount on credit analysis fees
  • Variable amortization based on the life of the financed asset
  • Reduced, fixed or variable interest rate
  • Balance information available via our Electronic Banking Solutions
  • Possibility of equal payments, depending on the repayment option selected
  • Repayment of principal can be deferred (interest continues to accrue during this time)
  • Loan insurance (life and disability) are available at any time on your term loan4

Payroll and human resources management services

Reduce the time and costs related to personnel management.

No start-up fees and no processing fees for the first month when you sign up5:

  • Telephone payroll
  • Nethris Internet SuiteTM (basic or professional)

The Nethris Internet Suite is fully integrated and modular, allowing you to choose the following options :

  • Human resources management
  • Time and attendance management
  • Payroll processing
  • Self-service portal

For more information, please call 1-800-361-8688 ext. 45369 or visit nbc.ca/payroll.


Pharmacists operating under a banner or professionals who are members of a commercial association

Did you know that we have developed a privileged offer for you? National Bank puts the expertise of its specialized team at your disposal to offer solutions tailored to your needs and your reality thourgh its Commercial Banking Managers and Franchises and Commercial Partnerships Advisors.

Available solutions include made-to-measure financing for your growth, expansion and acquisition projects as well as solutions to improve the daministration of your banking operations.

To discover all the details of your priviliged offer, call 1-800-394-6611 (or 514-394-6611) and ask for the Franchises and Commercial Partnerships Departments or e-mail us at franchises@bnc.ca.

MasterCard Platinum Business Card®, 1

Regular rate
19.99% Purchases / $75 per year6 (instead of $125)
Cash advances and
balance transfers rate
21.99%
Reduced rate Not offered
Additional card $35
Rewards plan Yes
Minimum credit limit $1 000
(depending on your credit file)


Rewards program
Generous and flexible Rewards Plan geared to travellers
You can mix business with pleasure thanks to the À la carte Rewards Plan included with your card ! The Platinum Business card offers you the opportunity to redeem your points for credit to your account and for quality items, gift certificates and even trips.
Insurance coverage

Platinum Business personal protection insurance program is an optional program offered by Blue Cross8. Find out more about three types of insurance offered exclusively to Platinum Business cardholders. Extensive insurance programs are included with the Platinum Business card.

Other advantages

Easily control all spending with the Platinum Business card!


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1 Financing and credit card subject to credit approval by National Bank. Certain conditions apply.
2 Please refer to our Fees, General Information and Agreement guide, available in branches.
3 Certain browser versions are required to access National Bank's Internet Banking Solutions and Mobile Banking Solutions. For information, go to nbc.ca/browsers.
4
5
6
$500
$3.000
Purchases
Cash advances and balance transfers rate

®
TM Nethris is a registered trademark of CGI Group Inc. used under licence. These solutions and customer services are the property of CGI. National Bank acts solely as a distributor of CGI's solutions and services. TD EDS/Trans Alliance L.P. TD Registered trademark of Fiserv Inc.