Health Sciences

Students

Also offered:
Financial Package for Health Sciences
Specialists

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As a full-time student and future health sciences specialist, you are entitled to a financial package that includes privileges on a range of products and services from National Bank.

Eligibility

Full-time students at the post-secondary level in a program leading to one of the following designations:

  • Audiologist
  • Dental Hygienist
  • Denturist
  • Medical Radiation Technologist
  • Medical Technologist
  • Midwife
  • Occupational Therapist
  • Optician
  • Pharmacologist
  • Physiotherapist
  • Psychologist
  • Respiratory Therapist
  • Speech-Language Pathologist

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 and with an unlimited transactions for a selection of automated services (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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Access to a National Bank Platinum MasterCard®,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 by signing up for the additional included MasterCard5.

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

Advantages

Summary description

Monthly fee

0.00 $ / month for the duration for your studies

Automated services included

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

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

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

Cheques and debits included

Cheque and preauthorized debits

200 personalized cheques per year

Other services included

Online or mailed account statement or passbook

Overdraft protection

 

Use of THE EXCHANGE®3 banking machine network

( Included in the package)

Interested in this package?
Suscribe now! 

1 User fees for Interac® banking machine and point-of-sale network and the Cirrus®4 banking machine network are also payable. No additional fees apply for use of THE EXCHANGE®3 banking machine network.
2 Certain browsers versions are required to access National Bank's Internet banking services. For information, go to nbc.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 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 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 interest rate
  • Credit limit established according to your needs
  • Only the interest on the principal used has to be repaid monthly during your full-time studies
  • 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 will be established according to your credit limit. 

Annual credit limit:

You can review and increase your credit limit1 each year according to your needs and level of studies.


Level
Amount authorized per year1 Maximum amount authorized

College or professional
school

Between $3,000 & $4,000 *

Between $9,000 & $12,000 *

University
undergraduate(Bachelor's)

Between $5,500 & $7,500 *

Between $22,000 & $30,000 *

University graduate
(Master's or Ph.D.)

Between $6,000 & $8,000 *

Between $25,000 & $40,000 *

*The amounts vary according to the province where you study.

Transactional free services :

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

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Cheques and preauthorized debits

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Transactions at National Bank banking machines2: withdrawals, transfers, bill payments and withdrawals for bill payments

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Online transactions3: transfers, transfers to another person and bill payments

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Overdraft protection ?

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200 personalized cheques per year

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Online or mailed account statement

For more information regarding the advantages and conditions of the National Bank's Student line of credit, please visit our advisors at the nearest nearest branch.

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.
3 Certain browser versions are required to access National Bank's Internet banking services. For information, go to nbc.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 MasterCard International inc.
®4  Registered trademark of Fiserv Inc.

Advantages

Platinum MasterCard®,1

A flexible, rewarding tool, your Platinum MasterCard lets you travel with complete freedom and peace of mind.

Regular rate2 19.99% Purchases / $125 per year
No annual fee for the first 2 years3!
Cash advances and balance transfers rate

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 and flexible À la carte Rewards Plan geared to travellers

Each time you make a purchase with your Platinum MasterCard, you earn points that can be redeemed for great rewards! For each dollar spent, you earn 1.5 points.

  • Use your Platinum card for every day purchases
  • Earn 1.5 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

Travel insurance

  • Out-of-Province-of-Residence Medical/Hospital Insurance
    UP TO $5,000,000.

Maximum trip coverage period is calculated based on age.

Person aged Maximum Trip Lenght

54 and under

60 days

55 to 64

31 days

65 to 74

15 days

If the trip exceeds the number of days allotted, it will not be covered by the Medical/Hospital Insurance. Coverage applies to Primary cardholder, their spouse and any dependent children.

  • Trip Interruption Insurance up to $5,000 per person
  • Flight Delay Insurance up to $500 per person for any flight delay of 4 hours or more
  • Baggage Insurance up to $1,000 per person in case of theft, break-in, loss or vandalism, and up to $500 per person should your checked baggage arrive more than 6 hours late

Vehicle rental insurance

  • Liability coverage in case of collision, theft or damage to a rented vehicle, charged to your Platinum MasterCard, for a rental period of 48 days or less
  • Coverage of up to $2,000 during the vehicle rental period against loss, theft or damage to your personal effects

Medical, general and legal assistance4

  • 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 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 from 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

Travelling advantages

Travel when and where you want !

What's more, with the Platinum MasterCard rewards plan, you enjoy greater flexibility when making travel plans. You can:

  • Choose your own travel agency
  • Travel when you want, with the airline of your choice
  • Take advantage of last-minute discounts and seat sales
  • Redeem your points for any service offered by a travel agency, online interactive agency or airline;
  • Pay with points only or combine your points and your Platinum MasterCard
Points exchanged Travel savings

11,000 points

$100

50,000 points

$500

More than 50,000 points

When you exchange more than 50,000 points, each additional block of 10,000 points entitles you to $100 in travel savings

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  Services offered and insured by CanAssurance, a subsidiary of Blue Cross.
®  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 our nearest branch

Credit Card

Fill out the printable application form for the Platinum MasterCard related to the program
and
Hand out to a financial advisor at a branch neares you

Don't forget!

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

  • Be a full-time student enrolled in a program leading to one of the profession eligible to this package
  • 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, your may contact our advisors at the following number:

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