Healthcare

Financial Packages

Also offered:
Financial Package for
Healthcare Students

Professionnels-de-la-sante

Whether you need Personal or Commercial Banking Solutions, our Healthcare Financial Package gives you valuable advantages on a range of select products and services.

Eligibility

This program is an advantage offered to people working in the fields listed below who hold a National Bank World MasterCard®,1 related to the program:

  • Chiropractors
  • Dentists   
  • Optometrists
  • Pharmacists
  • Physicians
  • Podiatrists
  • Veterinarians

Membership in a professional association or organization is not a requirement.

Benefits

For $125 per year2 this program gives you access to a multitude of advantages on select products and services.

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Three CDN$ or US$ bank accounts3
With unlimited transactions for a selection of automated services (click here for details)

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A National Bank World MasterCard
More than just a travel card: prestige, flexibility and generosity.

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Personal Flex Line®2,1
And other financing solutions offered at an advantageous rate

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Advantages on Investment Solutions
Offered by National Bank, National Bank Financial,
National Bank Trust and National Bank Direct Brokerage

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For your business
Two commercial accounts : a current account with no fees on select transactions and a savings account with reduces fees on select transactions (click here for details)

National Bank Platinum Business MasterCard

Your spouse can enjoy the personal banking advantages of the package by signing up for the additional included MasterCard4.

Documentation

1 Financing and credit card subject to credit approval by National Bank of Canada. Certain conditions apply.
2 The fee of $125/year will be billed automatically and will appear on the monthly World MasterCard account statement. The credit terms and conditions for the National Bank World MasterCard are described in the information box and on the back of the application form available under the "Sign Up" tab.
3 Bank account with chequing privileges.
4 For financial packages, only the spouse of the primary cardholder is eligible for an additional card.
® World MasterCard is a registered trademark of MasterCard International Inc.National Bank is an authorized user.
®1 MasterCard is a registered trademark of MasterCard International Inc.National Bank is an authorized user.
®2 Personal Flex Line is a registered trademark of National Bank of Canada. 

Advantages

Summary

Monthly fee

0.00 $ / month

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

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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1 User fees for the Interac® outlets, and the Cirrus®3 network are also payable. No additional fees apply for use of THE EXCHANGE®4 banking machine network.
2 Certain browser versions are required to access National Bank's Internet Banking Solutions and Mobile Banking Solutions. For information, go to nbc.ca/browsers.
3 Minimum 12-month rental in Canada. Some conditions apply, particularly concerning eligibility for safety deposit box rental. Details available in branches. Safety deposit box rental charges are indicated in the Guide to Personal Banking Solutions, which is available in branches.
® Registered trademark of Interac Inc.
®1 NYCE is a registered trademark of NYCE Corporation.
®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 nbc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and then converted into Canadian dollars.
®3 Registered trademark of MasterCard International inc.
®4 Registered trademark of Fiserv Inc.
®5 Registered trademark of American Express Company US. AUT Copyright; American Express Canada, Inc. 1992 SS-010-F.

Advantages

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 volumeover 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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1 Subject to credit approval by National Bank.
2 Subject to credit approval by National Bank. Certain conditions apply. Grace period: No interest will be charged on purchases made during the month provided the client pays his balance in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances or balance transfers. The minimum payment to be made to the Bank every period will be equal to 3% of the account balance plus any overdue amount or $10, whichever is higher (or the account balance if it is lower than $10). If the credit limit is exceeded, the minimum payment required will be 3% of the account balance or the amount in excess of the credit limit, whichever is higher. Account statement: A statement is sent monthly. Example of credit charges calculated for a 30-day period on February 1, 2014:

 
AVERAGE BALANCE
Annual interest rate
$500 $3,000
19.5% $8.01 $48.08

3 The net annual purchase volume is the amount charged to the account minus returns and reimbursements. Annual fees, balance transfers and cash advances are not included in this calculation.
4 Theses protections apply if purchases or rentals are paid for with the card, with the exception of the Out-of-Province-of-Residence Medical/Hospital Insurance, for which it is not necessary to pay for a trip with the card. Certain conditions and restrictions apply. For more information, consult the documentation available in branches.
5 Certain conditions apply. Visit mastercard.ca for more information. Consult the credit card's terms and conditions.
® World MasterCard is a registered trademark of MasterCard International Inc. National Bank is a authorized user.

Advantages

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®2 et 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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1 Financing and credit card subject to credit approval by National Bank. Certain conditions apply.
2 Subject to banking charges for usage (per transaction or according to banking package). Please refer to our Fees, General Information and Agreement guide, which is available in branches.
3 User fees for the Interac®1 outlets, and the Cirrus®4 network are also payable. No additional fees apply for use of THE EXCHANGE®5 banking machine network.
4 Certain browser versions are required to access National Bank's Internet Banking Solutions and Mobile Banking Solutions. For information, go to nbc.ca/browsers.
5 Minimum 12-month rental in Canada. Some conditions apply, particularly concerning eligibility for safety deposit box rental. Details available in branches. Safety deposit box rental charges are indicated in the Guide to Personal Banking Solutions, which is available in branches.
® Personal Flex Line is a registered trademark of National Bank of Canada.
®1 Registered trademark of Interac Inc.
®2 NYCE is a registered trademark of NYCE Corporation.
®3 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 nbc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and then converted into Canadian dollars.
®4 Registered trademark of MasterCard International inc.
®5 Registered trademark of Fiserv Inc.
®6 Registered trademark of American Express Company US. AUT Copyright; American Express Canada, Inc. 1992 SS-010-F.

Advantages

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 Trust6

  • 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 Brokerage7

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 Financial8

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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1 Redeemable fixed-rate guaranteed investment certificates not available in LIRAs
2 Offer valid only for redeemable and non-redeemable fixed-rate guaranteed investment certificates (GICs) in Canadian dollars. The minimum investment required (in CDN$) is $500 for registered GICs, $5,000 for non-registered GICs with terms of 30 to 364 days and $1,000 for non-registered GICs with terms of 1 to 5 years.
The interest rate is based on the principal amount invested and the length of the term. For further information, visit nbc.ca under "Rates". Simple or compound interest, at the client's option, paid annually. This offer may be withdrawn at any time without notice at National Bank's discretion. It is not transferable and may not be combined with any other offer or promotion.
3 Offer valid only for redeemable and non-redeemable fixed-rate guaranteed investment certificates (GICs) in U.S. dollars. Minimum investment required is $5,000. The interest rate is based on the principal amount invested and the length of the term. GIC redeemable with penalty. Simple interest only, which is payable at maturity for terms of 30 to 364 days and semi-annually for terms of 1 to 5 years. For further information, visit nbc.ca under ''Rates''. This offer may be withdrawn at any time without notice at National Bank's discretion.It is not transferable and may not be combined with any other offer or promotion.
4  Minimum contribution: $25.
5 The interest rate is based on the principal amount invested. For more details and to see the interest rates associated with each level of investment, consult nbc.ca under ''Rates''. This offer may be withdrawn at any time without notice at National Bank's discretion.It is not transferable and may not be combined with any other offer or promotion.
6 Private Investment Management is offered by National Bank Trust Inc. and Natcan Trust Company, two subsidiaries of National Bank of Canada using the business name of National Bank Trust. Eligibility for this service depends on certain administrative conditions.
7 National Bank Direct Brokerage Inc. is a subsidiary of National Bank of Canada. National Bank Direct Brokerage Inc. offers no advice and gives no investment recommendations. The client alone is responsible for the financial consequences of his/her investment decisions.
8 National Bank Financial is a wholly owned indirect subsidiary of National Bank of Canada. National Bank of Canada is a public company listed on the Toronto Stock Exchange (NA: TSX).

Advantages

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

$1000
(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 Subject to the terms and conditions described on the insurance certificate. Certain exclusions and restrictions apply. Insurer: National Bank Life Insurance Company.
5 This offer may not be combined with any other offer or promotion. For more information, please visit nbc.ca/payroll.
6 Subject to credit approval by National Bank of Canada. Certain conditions apply. 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 $50 whichever amount is higher (or the new unpaid balance if it is lower than $50). 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 February 1, 2014:

  AVERAGE BALANCE
Annual interest rate $500 $3.000
Purchases 19.99% $8.22 $49.29
Cash advances and balance transfers rate 21.99% $9.04 $54.22

® MasterCard is a registered trademark of MasterCard International Inc. Authorized user: National Bank of Canada.
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. 

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Solution To sign up
  • Banking Account

  • Financing Solutions

  • Investment Solutions

  • Business Solutions

Make an appointment with an advisor at the branch nearest you

  • Credit Card

Fill out the printable version of the application form for the Word MasterCard related to the Package

and make an appointment with a financial advisor at the branch nearest you

Don't Forget!

To be eligible for the Financial Package for healthcare professionals, you must:

  • Be a physician or medical professional, dentist or dental professional, pharmacist, podiatrist, veterinarian, chiropractor, optometrist
  • Be a Canadian citizen or a permanent resident of Canada
  • Hold the National Bank World MasterCard related to the package
  • Deposit all occupational earnings (RAMQ and other) in a National Bank account
  • Present a proof of your professional status or a membership card from your province's college of physicians

For more information, contact a financial advisor at the following number:

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514-394-5555 OR 1-888-4-TelNat