Accounting

Students

Also offered:
Financial package for accountants (CA, CGA or CMA)

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You are studying in accounting or accountancy? National Bank offers you a complete financial package that provides access to a range of valuable products, services and benefits.

 

Eligibility

Full-time accounting or accountancy university level students
(minimum required: enrollment in a bachelor program)
 

 

Benefits

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A CDN$ or US$ bank account1
With no monthly service fees for the transactions included in the package while you are continuing your studies (click here for details)

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Student line of credit2
A financing option at an advantageous rate with unlimited transactions for a selection of automated services (click here for details)

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OVATION Gold MasterCard credit card®,®1,3
With no annual fee for the first two years4

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Your spouse can enjoy the personal banking advantages of the package as an authorized user5.

1 Bank account with chequing privileges.
2 Financing subjet to credit approval by National Bank. 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.
3 Financing subjet to credit approval by National Bank. Certain conditions apply.
4 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. A maximum of two years with no fees per person.
5 For financial packages, only the spouse of the primary cardholder is eligible for an additional card.
® OVATION 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.

Advantages

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 preauthorized 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)

Interested in this package?
Subscribe now!

 

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 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 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 MasterCard International inc.

Advantages

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 full-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

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

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Bill payments at National Bank ATMs2

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Online or mailed account statement

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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.

Interested in this Package?
Subscribe now!


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 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 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 MasterCard International inc.
®4 Registered trademark of Fiserv Inc.

Advantages

OVATION® GOLD MasterCard®1,1

The OVATION Gold MasterCard gives you access to a complete insurance program and a valuable rewards program.

Regular rate2

19.99% Purchases / $75 per year
No annual fee for the first two years3!

Cash advances and balance transfers

21.99%

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!

Details

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 credit-card purchases, tripling 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?
Subscribe now!

 

1 Subject to credit approval by National Bank of Canada. Certain conditions apply.
2 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 $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 February 1, 2014:

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

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 Primary 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 Primary 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 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.

Subscribe Now!

Solution How to sign up
  • Chequing Account
  • Student Line of Credit

Visit the branch nearest you

Credit Card

Fill out the application form for the OVATION Gold MasterCard related to the program (writable PDF for printing)
and
make an appointment at the branch nearest you

Don't forget!

To be eligible to the Financial Package for accounting students, you must:

  • Be a full-time university level student in accounting or accountancy 
    (minimum required : enrollment in a bachelor program)
  • Be a Canadian citizen or a permanent resident of Canada
  • Visit your branch once a year to update your file
  • Two pieces of identification, proof of your status as a full-time student and your most recent transcript will be requested

 

For more information, please contact an advisor at one of the following numbers:

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514 394-5555 (Greater Montreal Area)
1 877 394-5555 (outside Greater Montreal)