Stay informed
On this page
As a result of adding the new auto-deposit feature, Interac e-Transfers created before January 21,
2018, to recipients signed up for autodeposit, must be deleted and created again to ensure the transaction is made.
Thank you for your understanding
As of July 9, 2018, changes to the À la carte Rewards plan®, pricing, insurance coverage and/or Cardholder agreement of our credit cards will come into effect.
To find out which changes are applicable to you, please click on one of the following links.
For simplified management of your finances, learn about the advantages and new features of our digital tools.
Personal | Business | |
|
I have a business credit card: |
|
|
Changes to the À la carte Rewards plan applicable rules for your Platinum, World or World Elite card
How to earn points |
|
Until July 8, 2018 |
Effective July 9, 2018 |
1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte Plan. To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website at nbc.ca/creditcard. |
1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte Plan when your account is in good standing. The points accumulated will be posted to your account once a month, provided your account is in good standing on the statement date. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website, nbcrewards.ca. |
Changes to the Cardholder agreement for your Platinum, World or World Elite card
Minimum payment |
|
Until July 8, 2018 |
Effective July 9, 2018 |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 3% of the account balance |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 2.5% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
Changes to the pricing, the insurance coverage and/or the À la carte Rewards plan for your card
To find out which changes are applicable to your card, please click on the appropriate link:
To access the full version of the Insurance Certificate related to your card, go to the Reference material section.
Changes to the Cardholder agreement for your World Elite card
Minimum payment |
|
Until July 8, 2018 |
Effective July 9, 2018 |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 3% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 2.5% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
Changes to the Cashback program applicable rules for your ECHO Cashback card
How to earn a cashback |
|
Until July 8, 2018 |
Effective July 9, 2018 |
1.2 You will earn a cashback for each eligible purchase dollar made using the credit card. The accumulation of the cashback will vary based on the accumulation table in effect available on nbc.ca/ECHO-card. |
1.2 You will earn a cashback for each eligible purchase dollar made using the credit card when your account is in good standing. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). The accumulation of the cashback will vary based on the accumulation table in effect available on nbc.ca/ECHO-card. |
Changes to the Cardholder agreement for your ECHO Cashback card
Minimum payment |
|
Until July 8, 2018 |
Effective July 9, 2018 |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 3% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 2.5% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
Changes to the Cardholder agreement for your Syncro, MC1, Regular, Ultramar or CAA Rewards card
Minimum payment |
|
Until July 8, 2018 |
Effective July 9, 2018 |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 3% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 2.5% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
Changes to the Cardholder agreement for your Allure or Edition card
Minimum payment |
|
Until July 8, 2018 |
Effective July 9, 2018 |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 3% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 2.5% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
The following changes only apply to the Allure and Edition cards with a reward or cashback program.
Changes to the À la carte Rewards plan applicable rules or the Cashback rules for your Allure or Edition card
How to earn points |
||
Until July 8, 2018 |
Effective July 9, 2018 |
|
À la carte Rewards plan (exchangeable points) |
1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte plan. To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website at nbc.ca/creditcard. |
1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte plan when your account is in good standing. The points accumulated will be posted to your account once a month, provided your account is in good standing on the statement date. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website, nbcrewards.ca. |
Cashback program |
2.1 You accumulate points for each purchase made using your card. For every two dollars ($2) in purchases charged to your card, you’ll earn one (1) point. |
2.1 You accumulate points for each purchase made using your card. For every two dollars ($2) in purchases charged to your card, you’ll earn one (1) point when your account is in good standing. The points accumulated will be posted to your account once a month provided your account is in good standing on the statement date. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). |
Changes to the À la carte Rewards plan applicable rules for your OVATION Gold14 or Escapade14 card
How to earn points |
|
Until July 8, 2018 |
Effective July 9, 2018 |
1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte plan. To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website at nbc.ca/creditcard. |
1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte plan when your account is in good standing. The points accumulated will be posted to your account once a month, provided your account is in good standing on the statement date. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website, nbcrewards.ca. |
Changes to the Cardholder agreement for your OVATION Gold or Escapade card
Minimum payment |
|
Until July 8, 2018 |
Effective July 9, 2018 |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 3% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 2.5% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
Changes to the Cardholder agreement for your Business, Platinum Business, PREMIA14 or Business Line card
Minimum payment |
|
Until July 8, 2018 |
Effective July 9, 2018 |
8.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $50 and more: 3% of the credit card account balance plus any overdue payment or $50, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 3% of the account balance Exceptionally, for cards with a corporate responsibility (without guarantees), as described in section 10 of this agreement, the minimum payment corresponds to the total unpaid balance. |
8.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 2.5% of the account balance Exceptionally, for certain accounts with a corporate responsibility, the minimum payment may correspond to the total unpaid balance. See your monthly statement for details. |
The following changes only apply to the Platinum Business card.
Changes to the pricing for your Platinum Business card
Annual fee |
||
Until July 8, 2018 | Effective July 9, 2018 |
|
Main card |
125$ |
|
Additional card |
$35 |
$50 |
Changes to the À la carte Rewards plan applicable rules for your Platinum Business card
How to earn points |
|
Until July 8, 2018 |
Effective July 9, 2018 |
1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte Plan. To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website at nbc.ca/creditcard. |
1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte Plan when your account is in good standing. The points accumulated will be posted to your account once a month, provided your account is in good standing on the statement date. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website, nbcrewards.ca. |
Changes to the À la carte Rewards plan applicable rules for your Platinum, World or World Elite card
How to earn points |
|
Until July 8, 2018 |
Effective July 9, 2018 |
1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte Plan. To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website at nbc.ca/creditcard. |
1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte Plan when your account is in good standing. The points accumulated will be posted to your account once a month, provided your account is in good standing on the statement date. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website, nbcrewards.ca. |
Changes to the Cardholder agreement for your Platinum, World or World Elite card
Minimum payment |
|
Until July 8, 2018 |
Effective July 9, 2018 |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 3% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
10.1 Minimum payment You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents: > For a balance of $10 and more: 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts: a. 2.5% of the account balance In case of a partial payment, interest will be calculated as described in section 11 of this agreement. |
Changes to the pricing, the insurance coverage and/or the À la carte Rewards plan for your card
To find out which changes are applicable to your card, please click on the appropriate link:
To access the full version of the Insurance Certificate related to your card, go to the Reference material section.
To download the reference material applicable to your Mastercard card, click on the following links.
Platinum, World and World Elite
Allure and Edition
Syncro, MC1, Regular, Ultramar and CAA Rewards
Business, Business Line, Platinum Business and PREMIA
* Note that the new version of the Platinum card Certificate, which comes into effect July 9, 2018, will be available here as of the same date.
** These products are only available to current cardholders. They are no longer offered to new clients. To get a copy of the certificate insurance, contact your advisor.
Starting January 22, 2018, we will update our fees for personal banking solutions. These changes will be reflected in our Fee Guide
See changes
New fees
> Account handling (paper statement and passbook) fees will now apply, regardless of the account balance:
Until January 21, 2018 |
As of January 22, 2018 |
|
High Interest Savings Account | ||
Statement sent by mail |
Free |
$2.50/month/account |
Strategist, Natcan Strategist and Crescendo Account® | ||
Passbook5 or statement sent by mail |
Free |
$2.50/month/account |
Chequing Account, USD or CAD Progress Account, Daily Interest Savings Account, Youth Savings Account, Multi-Transaction Account | ||
Passbook5 or statement sent by mail |
No fee with a minimum or average monthly balance of $2,500 |
$2.50/month/account |
The changes below will apply to the following banking packages:: Accessible, Direct Access, AccessPlus, Virtuoso®, Direct Access+, UniFeeTM, UniFee+, ClickStudent® and Perspective
Until January 21, 2018 |
As of January 22, 2018 |
|
Discount on flat monthly fee | ||
OVATION®, 13 Gold Credit Card card holder |
50% off (max. $5.00/month) |
No discount |
As of May 2018, bills paid online will be processed as transactions made through our new ABMs:
Until end of April 2018 |
As of May 2018 |
|
Online bill payment |
Up to 5 bills can be paid in the same transaction |
Each bill paid will count as a single transaction |
Therefore, your fees or number of your transactions may increase.
Starting January 22, 2018, we will update our offers. These changes will be reflected in our Fee Guide.
See changes
The changes below will apply to the following offers:
Wealth management; Health sciences specialists and students; Healthcare professionals and students; Business professionals and students: lawyers, notaries, CPA accountants (CA, CGA and CMA) and graduates of HEC Montréal and the Rotman School of Management in Toronto; Nurses and registered practical nurses and nursing students; Engineers, engineering graduates and engineering students; Students and young professionals
Until January 21, 2018 |
As of January 22, 2018 |
|
Transactions | ||
Sending an Interac® e-Transfer 4 | $1.00/transfer |
Free |
Other services | ||
Personalized cheques (shipping fees and taxes not included) |
from 200 cheques per year to an unlimited number, depending on the offer |
First order of 100 cheques included |
Gold and Crescendo (Private Banking); Offer for Newcomers; Made-to-Measure Financial Package; National Bank All-In-One BankingTM
Until January 21, 2018 |
As of January 22, 2018 |
|
Transactions | ||
Sending an Interac e-Transfer4 | $1.00/transfer |
Free |
Starting January 22, 2018, we will update the fees for our personal banking solutions.
Below is a reminder of our four main packages as well as the changes being made.
Accessible will be renamed The Minimalist®
THE MINIMALIST |
Accessible Until January 21, 2018 |
The Minimalist As of January 22, 2018 |
Number of monthly transactions included1 |
12 transactions including 2 teller-assisted transactions |
|
Transactions2 | ||
Client Card purchase |
Included |
|
Withdrawal, transfer3, withdrawal for bill payment | Included |
|
Sending an Interac® e-Transfer 4 | $1.00/transfer |
Free |
Cheque, pre-authorized debit |
Included |
|
Branch transactions | ||
Withdrawal, transfer, withdrawal for bill payment |
2 included |
|
Bill payment service |
$2.00/bill |
|
Other services | ||
Online statement or statement sent by mail |
Free |
|
Passbook5 (if applicable) |
$2.50/month/account |
|
List of transactions at ABMs – Each – Flat fee |
$0.75 1.00/month |
Free |
Fees | ||
Flat monthly fee for transactions included in the package |
$3.95 Flat monthly fee regardless of the account balance |
Direct Access will be renamed The Modest®
THE MODEST |
Direct Access Until January 21, 2018 |
The Modest As of January 22, 2018 |
Number of monthly transactions included1 | 22 transactions |
30 transactions |
Transactions2 | ||
Client Card purchase |
Included |
|
Withdrawal, transfer3, withdrawal for bill payment |
Included |
|
Sending an Interac e-Transfer4 | $1.00/transfer |
Free |
Cheque, pre-authorized debit |
Included |
|
Branch transactions | ||
Withdrawal, transfer, withdrawal for bill payment |
$1.50/transaction |
|
Bill payment service |
$2.00/bill |
|
Other services | ||
Online statement |
Free |
|
Statement sent by mail or passbook5 (if applicable) |
$2.50/month/account |
|
List of transactions at ABMs |
Free |
|
Fees | ||
Flat monthly fee for transactions included in the package |
$8.25 |
$9.95 |
Discount on flat monthly fee9 | ||
Young people aged 0–17 |
N/A | $9.95 discount |
Students aged 18–2410 | N/A | $9.95 discount |
Clients aged 60 or older |
N/A | $5.00 discount |
Minimum monthly account balance to have flat monthly fee waived |
$2,500 |
$3,000 |
AccesPlus will be renamed The Connected®
THE CONNECTED |
AccessPlus Until January 21, 2018 |
The Connected As of January 22, 2018 |
Number of monthly Transactions included1 | Unlimited transactions |
|
Transactions2 | ||
Client Card purchase |
Included |
|
Withdrawal, transfer3, withdrawal for bill payment |
Included |
|
Sending an Interac e-Transfer4 | $1.00/transfer |
Free |
Cheque, pre-authorized debit |
Included |
|
Branch transactions | ||
Withdrawal, transfer, withdrawal for bill payment |
$1.50/transaction |
|
Bill payment service |
$2.00/bill |
|
Other services | ||
Online statement |
Free |
|
Statement sent by mail or passbook5 (if applicable) |
$2.50/month/account |
|
List of transactions at ABMs |
Free |
|
Fees | ||
Flat monthly fee for transactions included in the package |
$14.25 |
$14.95 |
Discount on flat monthly fee9 | ||
Young people aged 0–17 | N/A | $9.95 discount |
Students aged 18–2410 | N/A | $9.95 discount |
Clients aged 60 or older |
$5.00 discount |
|
Minimum monthly account balance to have flat monthly fee waived |
Flat monthly fee regardless of the account balance |
$4,500 |
Other advantages | ||
Cashback on the annual fees for a National Bank Mastercard® credit card11 |
No cashback |
Cashback of up to $30.00 |
Virtuoso will be renamed The Total®
THE TOTAL |
Virtuoso Until January 21, 2018 |
The Total As of January 22, 2018 |
Number of monthly transactions included1 | Unlimited transactions |
|
Transactions2 | ||
Client Card purchase |
Included |
|
Withdrawal, transfer3, withdrawal for bill payment |
Included |
|
Sending an Interac e-Transfer4 | $1.00/transfer |
Free |
Cheque, pre-authorized debit |
Included |
|
Branch transactions | ||
Withdrawal, transfer, withdrawal for bill payment |
Included |
|
Bill payment service |
Included |
|
Other services | ||
Integrated line of credit12 | Included |
|
Online statement |
Free |
|
Statement sent by mail or passbook5 (if applicable) |
Free |
$2.50/month/account |
List of transactions at ABMs |
Free |
|
100 personalized cheques |
Free (shipping fees and taxes not included) |
|
Use of the Interac network (ABM) |
0.50 discount on withdrawals |
Free |
Use of the CIRRUS® network (ABM) |
$4,00 | Free |
Overdraft protection |
Free |
|
Bank drafts in CAD or foreign currency |
Free |
|
Purchase or sale of paper money in a foreign currency |
Free |
|
Automatic transfer carried out by National Bank at your request |
Free |
|
Fees | ||
Flat monthly fee for transactions included in the package |
$24.95 |
$25.95 |
Discount on flat monthly fee9 | ||
Young people aged 0–17 |
N/A | $9.95 discount |
Students aged 18–2410 | N/A | $9.95 discount |
Clients aged 60 or older |
$5.00 discount |
|
Minimum monthly account balance to have flat monthly fee waived |
$5,000 |
$6,000 |
Other advantages | ||
Cashback on the annual fees for a National Bank Mastercard credit card11 | No cashback |
Cashback of up to $150.00 |
Safety deposit box |
$5.00 discount on the annual cost |
Existing packages will be replaced
Removal of certain banking packages and offers
On January 22, 2018, some packages and offers will be removed from our range of solutions. Starting March 18, 2018, they will be replaced by one of our main packages.
The list below shows our existing packages and the packages that will replace each one. Existing packages will automatically be switched to the most similar main package.
12 packages that will be removed | 4 main packages (new packages) |
First Step CoolCash |
The Minimalist® (was Accessible) |
ClickStudent Perspective Direct Access + UniFee® i.d. |
The Modest® (was Direct Access) |
UniFee + | The Connected® (was AccessPlus) |
NatPlus® | The Total® (was Virtuoso) |
Want to see all our offers or choose another package?
Our comparison tool lets you compare all our packages and find the one that's best for you (please use Internet Explorer).
As of January 22, 2018, you may choose another package through our online services or by contacting your advisor. Use our branch locator to find one that’s near you.
Call 1-888-483-5628 at any time to talk to one of our Customer Service agents.
We have reworked our contract governing personal deposit and investment accounts to make it more clear and concise. We have also made some changes and introduced new elements in keeping with our new financial services approach.
The amended contract will come into effect on January 22, 2018. It replaces all previous versions of the General Information and Agreement Governing Investment, Transaction and Margin Accounts.
Please consult the documents below:
FAQ
Why did your fees change?
We regularly update our products and services. It's an opportunity to improve our offering and ensure it is aligned with our transition to e-channels. As part of this process, we may need to adjust our fees to maintain the quality of our products and services.
Will there be a fee for Interac® e-Transfers?
Starting January 22, Interac e-Transfers will be included with all of our banking packages (see the list above or the Personal Banking Solutions document). The current fee is $1 per Interac e-Transfer, in addition to the standard fee per transaction. Fees may apply if you exceed the transaction limit for your package or if you do not have a package.
What happens on January 22, 2018?
The changes listed in our “Important Notices” section come into effect on January 22, 2018. This includes changes to our pricing (fees and packages) and the contract governing deposit accounts and personal investment accounts.
What happens on March 18, 2018?
On March 18, 2018, certain banking packages will be automatically replaced with one of our main packages. A notice was sent to clients affected by these changes. If you didn't receive a notice, visit a branch or talk to your advisor for more details. You can contact your advisor or make an appointment with them online.
Will there be changes to all packages?
Yes, all of our packages are changing. Use the interactive tool (please use the browser Internet Explorer) to see what's new.
How can I compare the old packages with the new ones?
Use the interactive tool (please use the browser Internet Explorer) to compare all of the packages.
What happens when my package is discontinued?
On March 18, 2018, your package will automatically be replaced with the one that is most similar to what you have now. Open the interactive tool (please use the browser Internet Explorer) and select your current package from the left-hand column to see your new package to the right. I'm not satisfied with the new package I've been offered.
I see that my banking package will automatically be replaced on March 18, 2018. How will this change impact the amount debited each month from my account?
You will be charged the fee for your old package until March 18. For March only, two entries for fees will appear on your statement. One will show the fees charged for the days the old package was in effect, and the other will show fees charged after your new package came into effect. From April, only the fee for your new package will appear on your statement (billed at the end of the month). See the bank accounts section for more information.
How do I change it?
Compare packages using the interactive tool (please use the browser Internet Explorer) to find the one that meets your needs. Starting January 22, you will be able to change your package online or by speaking with an advisor at a branch or over the phone.
When can I replace my package with one of the four main ones?
After January 22, 2018, you will be able to change your package through our online and mobile banking services, by visiting a branch or by calling Customer Service.
How can I change my package online?
Sign into our online or mobile banking services, select your account and click "Sign up or change your banking package" Find this option by following the steps below.
From the web:
From a mobile device:
Where can I find out more and sign up for one of the new packages?
View our current and future main packages in the Personal Banking Solutions document or the information above. You can sign up for any of our packages online or at a branch starting January 22, 2018. After this date, there will be more information available on our website and in our pricing guide. Until then, you can sign up for a similar package that will be replaced on January 22, 2018.
Reference material
Phishing emails are being sent to our clients. The emails ask recipients to click on a link to update their personal information. Play it safe. Do not click on the link or provide the information requested under any circumstances. National Bank will never use email to ask for your personal information, such as your social insurance number, password, etc.
Have you received a phishing email?
Learn more
If you received such a message and did not click on the link, we recommend that you delete the email.
If you are a Bank client who has received such an email and unfortunately provided the requested information, please call Customer Service as soon as possible at 1-888-483-5628 or 514-394-5555. A representative will assist you.
If you received such a message and are a client of another financial institution, please contact your institution’s customer service department.
At National Bank, we place the highest importance on safeguarding your personal information. To learn more about our policies and best practices for preventing fraud, please consult our ABCs of Security section.
Phishing text messages are being sent to our clients. The text messages ask recipients to click on a link because the Bank has terminated their services. Play it safe. If you receive this message, do not click on the link or provide the information requested under any circumstances. National Bank will never use text message or email to ask for your personal information, such as social insurance number, etc.
Have you received a phishing text message?
If you have received this text message and did not click on the link, we recommend that you delete it.
If you are a Bank client who has received such a text message and provided the requested information, please call Customer Service as soon as possible at 1-888-483-5628 or 514-394-5555. A representative will assist you.
To learn more about our policies and best practices for preventing fraud, please consult the ABCs of Security section.
Phishing emails are being sent to our clients. The emails ask recipients to click on a link to update their personal information. Play it safe. Do not click on the link or provide the information requested under any circumstances. National Bank will never use email to ask for your personal information, such as your social insurance number, password, etc.
Have you received a phishing email?
Learn more
If you received such a message and did not click on the link, we recommend that you delete the email.
If you are a Bank client who has received such an email and unfortunately provided the requested information, please call Customer Service as soon as possible at 1-888-483-5628 or 514-394-5555. A representative will assist you.
If you received such a message and are a client of another financial institution, please contact your institution’s customer service department.
At National Bank, we place the highest importance on safeguarding your personal information. To learn more about our policies and best practices for preventing fraud, please consult our ABCs of Security section.
Legal Disclamers
TM NATIONAL BANK ALL-IN-ONE BANKING, UNIFEE, THE MINIMALIST, THE MODEST, THE CONNECTED and THE TOTAL are trademarks of National Bank of Canada.
® À LA CARTE REWARDS PLAN, PREMIA, ECHO, ALLURE, EDITION, ESCAPADE, FIRST STEP, COOLCASH, CLICKSTUDENT, NATPLUS, VIRTUOSO and OVATION are registered trademarks of National Bank of Canada.
® MASTERCARD, WORLD MASTERCARD, WORLD ELITE and CIRRUS are registered trademarks of Mastercard International Inc. National Bank of Canada is an authorized user.
® INTERAC is a registered trademark of Interac Inc.
® The registered trademarks of CAA and CAA Rewards are the property of the Canadian Automobile Association, which authorizes their use.
® ULTRAMAR is a registered trademark of Valero Energy Inc. National Bank of Canada is an authorized user.
1. When transactions are indicated as being included, they are included as long as the maximum number of transactions included in the package has not been reached. Any transaction over the maximum as well as any transaction or service that is not indicated in the above table but for which our fee guide sets out fees will be charged based on the applicable pricing for your account or based on the general pricing set out in the “Breakdown of Service Charges” section.
2. Transactions completed without a teller, including transactions at an ABM or merchant, online and mobile transactions, etc.
3. The term “transfer” includes transfers between accounts, transfers between individuals and Interac e-Transfers.
4. Fees apply to the Interac e-Transfer itself (see note 3 above) if you exceed the number of transactions included in your package or if you do not have a package.
5. The passbook option is no longer available.
6. No fees upon presentation of identity documents (proof of age) and proof of full-time student status (proof of registration, course schedule or transcripts). To allow the client to continue benefiting from no-fee banking, the package is validated annually by presenting the above documents.
7. No fees upon presentation of proof of eligibility for the Guaranteed Income Supplement.
8. No fees upon presentation of proof of eligibility for an RDSP.
9. Discounts are applied upon presentation of supporting documents.
10. The discount is for full-time students, aged 18 to 24 inclusively, attending a post-secondary institution, upon presentation of identity documents (proof of age) and proof of full-time student status (proof of registration, course schedule or transcripts). Only for individual account holders. The package is validated annually by presenting the above documents.
11. The cashback on the annual fees for a National Bank Mastercard credit card can only be applied one time, at enrolment.
12. This line of credit is subject to credit approval by National Bank of Canada. This package does not waive interest charges.
13. The discount is only for clients who already hold an OVATION Gold credit card.
14. These products are only available to current cardholders. They are no longer offered to new clients.