Frequently Asked Questions

If you’ve forgotten your password, click the Forgotten password? link and follow the steps.

For more details, watch our demo.

If you’ve forgotten your user code, contact your administrator.

If you are an administrator and your user tells you that they have forgotten their user code:

• Select Admistrator options
• Click Manage users
• Click their name and you'll see their user code at the top of the page

If you are an administrator and you forgot your user code:

• Please contact National Bank Business Central ^® at 1‑844‑394‑4494, Monday to Friday from 7 a.m. to 8 p.m. (EST) to reactivate your user code.

Consult the steps to follow (question 1.11) if your accounting/ERP software stops updating.

For security reasons, your account will be suspended after five sign-in attempts.

Even after the five attempts, you can use the forgotten password feature to reset your password and access your account.

It’s an added layer of security that’s required when you connect to your Internet Banking Solutions for Businesses when:

• You connect with an unrecognized device (computer or mobile device other than the one you usually work on)
• You connect for the first time after making changes to your profile
• You connect with a new internet browser.

You will need to enter a one-time verification code that will be sent by email, text message, or an automated call according to your preferences. Make sure to add your email or phone number to receive your verification code.

Simply access your account and click Edit my profile to change the way you send your verification code. You can also correct or modify existing contact information from this page.

If you want to add a missing delivery method to the list, you must access your profile, click Edit my profile and add or correct the contact information. As soon as you sign in, you will have access to the new delivery method. Three possible methods: text message, automated call, or email.

If you want to add a missing delivery method to the list, you must access your profile, click Edit my profile and add or correct the contact information. As soon as you sign in, you will have access to the new delivery method. Three possible methods: text message, automated call, or email.

If you receive your codes by email, check your junk mail first.

To receive a new code, click one of the links on the verification code page: Resend by email, Resend by text or Resend by automated call. Before choosing this option, make sure the phone number displayed can receive automated messages.

• If you’re a user, you will need to contact your administrator.
• If you’re an administrator, you will need to contact the National Bank ^® Business Centre at 1-844-394-4494.

If you are an administrator and your user has not received their verification code:

You must access your user's profile via Manage users, find the user in the list, click Edit profile and add or correct the contact information.

To add or modify a user's contact information for the missing or invalid delivery method:

If you want to add a missing delivery method to the list, you must access your profile, click Edit my profile and add or correct the contact information. As soon as you sign in, you will have access to the new delivery method. Three possible methods: text message, automated call, or email.

Supported browser versions are:

• Google Chrome 44 or higher
• Microsoft Edge 12 or higher
• Apple Safari 5 or higher
• Mozilla Firefox 40 or higher

Password and token users sign in on the same page.

On the Internet Banking Solutions for Businesses sign-in page: 

1. Enter your user ID and password
2. Click Sign in
3. In the next screen, enter the SecurID token code in effect (a new code is generated every 60 seconds)

For more guidance, watch our step-by-step demo on how to Sign in with SecurID token.

This is an option where the verification code will be sent to you by voice mail to the phone number registered in your profile.

If the data in your accounting software is no longer updated or if it is no longer connected, make sure you reconnect it first by updating the user ID and password in your accounting software.

If the connection with your accounting software does not work, we invite you to contact the customer service of the company whose accounting software you are using by providing the following information:

"National Bank of Canada has changed its Internet Banking Solutions for Businesses sign-in interface. The updated version of of the sign-in URL is required in your systems in order to connect to the software. Sign-in URL"

1. Ensure that you have created a read-only user in your Internet Banking Solutions for Businesses by clicking on Administrator options and Add a user.
   Make sure the Read only box is checked.
2. Select the accounts to which this user will have read-only access.
3. Make sure the user signs in to their account the first time to change their password and choose their security question.
4. Then use their user code and password in your accounting software. The data of the accounts to which they have access will then be transferred to them.

Don't forget to keep the user's access rights updated in read-only mode. For example, if a new account is created, its data will not be automatically transferred to your accounting software.

You will have to manually give the user access to the new account.

Note that not all accounting software allows this data synchronization with your business accounts.

Consult the steps to follow (question 1.11) if your accounting/ERP software stops updating.

Company administrators can add users by selecting Administrator options and then Add user. Once a user's profile has been created, the administrator must return to Administrator options and click Modify next to the user's name. The administrator must then select all the accesses and profiles at the top to to verify what access can be given to the user.

For more details, watch our demo.

You must access the administrator options and select Manage users.

To delete a user, find the user in the list and click  Delete next to their name.

You need to access the administrator options and select Manage users.

To modify your user's access, find the user in the list and click Modify next to their name. From the drop-down menu at the top of the screen:

• Select all accesses and profiles
• Check or uncheck the boxes according to the desired accesses
• Add the corresponding restrictions

For more details, watch our demo.

You must access the administrator options and select Manage users. Find the user in the list and click Generate verification code next to the user's name.

Create a read-only user by clicking Administrator options and Add user. Make sure the Read-only box is checked.

Select the accounts this user will have read-only access to.

Make sure the user signs in to their account once to change their password and choose their three secret questions.

Then use their user ID and password in your accounting software. The data from the accounts to which they have access will then be transferred to it.

Don't forget to keep the user's access rights updated in read-only mode. For example, if a new account is created, its data will not be automatically transferred to your accounting software. You will have to manually give the user access to the new account.

Note that not all accounting softwares allow data synchronization with your business accounts.

To add an account to the company profile, an administrator must submit a request by clicking on Administrator Options and then, in the Other section, click on Manage Accounts, select the + Accounts button and add the corresponding information.

To add a biller to National Bank's pre-established list of service providers, select the Manage billers/beneficiaries option from the menu on the left. Click Add biller/beneficiary, select Billers from the drop-down list, and index the name of the biller you wish to add.

More of a visual learner? Watch our demo.

To add a biller that does not appear in the National Bank's pre-established list of service providers, select the Manage billers and beneficiaries option in the left menu. Click Add biller/beneficiary, select Other biller from the drop-down list and complete the information on the screen.

More of a visual learner? Watch our demo.

By clicking on Manage billers/beneficiaries, you will see a list of billers already registered in your profile.

Select the Manage billers and beneficiaries option from the menu on the left. Click Add biller/beneficiary, select Wire transfer beneficiary from the drop down list, and fill in the information on the screen.

More of a visual learner? Watch our demo.

The balance provided to you represents the used amount on your line of credit.

In the left menu, click on Payment and fill in the information on the screen.

You can also schedule recurring payments from the Recurring payment button.

Only post-dated pending payments can be modified or deleted.

To edit or delete a post-dated payment, go to Transaction update in the left menu and select Payment from the drop-down menu. You will then see a complete list of all your payment transactions.

Verify to see if a second administrator signature is required or if you have the rights to sign yourself.

If you are an administrator, in the left menu, click on the Transactions to sign section to access the payment waiting to be signed.

If you are a user, contact your administrator to confirm your rights and access for payments.

Go to the left menu, click Wire transfers and add the requested information.

More of a visual learner? Watch our demo.

Only post-dated pending wire transfers can be modified or deleted.

To edit or delete a post-dated wire transfer, go to Transaction update in the left menu and select Wire transfer from the drop-down menu. You will then see a complete list of all your wire transactions.

The SecurID token access is available to all Internet Banking Solutions for Businesses clients.

The client accesses, with a user code, an identification number generated every 60 seconds by the SecurID token and a password. This authentication method prevents any access to the site unless a SecurID token is in hand (mandatory for users who authorize EFTs).

There is a cost associated with this feature.

Click on Administrator options, choose the link Order SecurID token (one token per user who needs it), and select the number of tokens.

There is a cost associated with this feature.

You can find the token activation procedure in your profile by clicking on Administrator options and SecurID token activation procedure.

To connect to Internet Banking Solutions for Businesses, the client accesses with a user code, an identification number generated every 60 seconds by a SecurID token and a password.

Click Salary deposits in the left menu.

To add a new employee

• Click Employee list then the + Add Employee button.
• Provide the employee's account number, transit and institution number.

To make a salary deposit

• Click New salary deposit and enter the corresponding information (name and account number of the employee to be paid).
• Allow 48 hours before the salary deposit date.

If you are an administrator, in the left menu, click the Transactions to sign section to access the payment waiting to be signed.

If you are a user, contact your administrator to confirm your rights and access for payments.

There are two options:

• Make an Interac e-Transfer ^®
• Make a payment through a biller

To add a biller that doesn't appear in National Bank's preset list of billers, select the Manage billers and beneficiaries option from the menu on the left. Click Add biller/beneficiary, select Other biller from the drop-down list and complete the information on the screen.

More of a visual learner? Watch our demo.

You must provide us with the federal and provincial identification numbers by using the Contact us function in the Internet Banking Solutions for Businesses platform:

Federal GST/GST account number or business number: 9 digits RT/RC/RP0001.

Provincial QST account number or identification number: 10 digits TQ0001. (This is not the NEQ).

Please allow for processing time.

1. If a problem arises, always start by reviewing the contract and the terms and conditions that apply. Did you agree to any terms and conditions? Are there any specifications in the contract? Then proceed to Step 2.
2. Discuss the situation with the merchant who sold you the product or service. You may be able to reach an amicable agreement. Still not satisfied? Go to step 3.
3. Gather all the information you have accumulated (receipts, date and time of your exchanges, a copy of your correspondence with the merchant, etc.) and contact Credit Card Customer Service at 1-844-394-4494. An advisor will help you analyze the situation in order to initiate the necessary steps.
4. Following your request, a dispute form will be sent to you and must be completed according to the instructions indicated. Be sure to attach the supporting documents, as per the instructions on the form, as they will be crucial in the decision of your request. Return the dispute form within five days. The information provided will allow National Bank to create your file in order to begin the dispute process with the merchant. It is important that all supporting documentation be submitted to increase the chances of your request being accepted. Failure to provide National Bank with all required documents or information may result in the denial of your application.
5. Following the analysis of your file, if your request is accepted, a refund will be credited to your credit card account. If your request is denied, a letter will be sent to you.

Important: the time frame and the date of the facts are crucial when processing a dispute.

Monthly statements online: online statements are available no later than the 5th business day of the following month.

Monthly paper statements: paper statements are sent no later than the 10th business day of the following month.

These delays are subject to change without notice.

To view your documents online, your device must be equipped with a PDF reader software.

Simply click Account statement/cheque in the left menu and select View/Download.

You can download your cheque images and account statements.

Manually processed cheques and certified cheques are not cleared by National Bank’s automated systems, so no image exists for those items. Therefore, the hyperlink to access the image of said cheque isn’t functional.

You must subscribe to Internet Banking Solutions for Businesses to obtain your online bank statements.

In the top right menu, click on Administrator Options, then on Manage Documents and choose the Online or By Mail option.

Bank statements and cheque image remittances will be available online through Internet Banking Solutions for Businesses for all your CDN$ and/or US$ current accounts, as well as your CDN$ Business Investment accounts.

You can change the delivery method of your documents at any time during your Internet Banking Solutions for Businesses session by clicking on Administrator options. Select Manage documents and choose your desired delivery method.

You will be able to continue receiving your documents by mail for a fee, per statement. For more information on applicable fees, please see our Fee Guide – Banking Services for Businesses.

You will be able to access up to 7 years of the Bank’s document archive containing bank statements and cheque image remittances for any of your current or business investment accounts available online. The full archive will be built over time and will begin with the bank account statements and cheque image remittances issued as of April 15, 2016.

For a user in your organization to be able to view and download bank account statements, simply grant access to the account in the Administrator options section selecting Manage users.

To give access to a cheque image remittance, select Manage users in the Administrator options section. Then, in Other services , select Access requests and cheque image remittance .

When searching for a cheque, you must always specify the date it was deposited within the range of requested dates.

A deposit made to your CAD or USD account by scanning a cheque (item), with the help of a scanner, and transmitting the image through the Digital Deposit option in Internet Banking Solutions for Businesses, in accordance with Payments Canada regulations for payment clearing and settlement. The scanned cheque image has the same official legal status as the original cheque.

Deposited items must be issued in Canadian or US dollars and drawn on a Canadian or American financial institution. Only the following original items can be deposited with the service:

• Cheques
• Certified cheques (not perforated)
• Bank drafts and money orders
• Traveller's cheques (unless issued by Thomas Cook).

The virtual endorsement generated by the system is in lieu of a physical bank endorsement and the customer endorsement is not required for an item deposited digitally.

You must securely store each original item for 15 days following the deposit date, and then destroy it. After destruction, the original item must no longer be accessible.

Once the user's profile has been created, the administrator must go back to Administrator options and click on Modify next to the user's name. They must then select all the accesses and profiles at the top to verify what access can be given to the user.

For more details, watch our demo.

It is totally safe to receive bank statements and cheque image remittances online. We've put safeguards in place to ensure the confidentiality and security of your information while using Internet Banking Solutions for Businesses. These include:

• A 128‑bit encryption system;
• Enhanced security measures to block access to your accounts while logged in from an unrecognized device;
• An additional security feature that makes it impossible to access your accounts without the SecurID passkey (optional).

You deposit cheques online 24/7. For sameday electronic deposits, cheques must be deposited on the business day before 9 p.m. (ET).

To deposit an item that cannot be deposited using the service, you must go to a branch or ABM.

There is a limit to the amount that can be deposited remotely based on your business profile. Certain restrictions apply.

You must keep and secure the originals of all deposited items in a safe place that can only be accessed by your staff members.

Just like cheques deposited at a branch or via an ABM, cheques deposited remotely are subject to the deposit/withdrawal limits applicable to your account. To change your deposit/withdrawal limit, please contact your account manager. The terms and conditions of access to funds are set out in our Access to Funds Policy and apply to digital deposits.

You can purchase a scanner from our recommended supplier or a supplier of your choice.

1. Install the scanner driver. Paystation can provide technical support as needed.
   • Watch instructional video for CX30 model
   • Watch instructional video for TS240 model
   • Download the installation guide for the CX30 model
   • Download the installation guide for the TS240 model
2. Connect the USB cord (once installation is complete).
3. The indicator light will be red, which means the scanner is in sleep mode.
4. Consult the Internet Banking Solutions for Businesses Help Centre for more details.

1. Remove any staples or paperclips and make sure that the corners are not folded, which can cause scanning problems.
2. Organize the deposit items and ensure the edges are lined up and facing the same way. Sort them by size to prevent any errors.
3. Place the cheques in the scanner and align them with the mark on the scanner. The indicator light will turn orange and the cheques will be fed automatically into the scanner.
   • Watch instructional video for CX30 model
   • Watch instructional video for TS240 model

Yes. You should clean the scanner according to the manufacturer’s instructions to maintain the quality of scanned images.

• Video on how to clean the CX30 model
• Video on how to clean the TS240 model
• Download the cleaning guide

The mobile app is free! However, to use it, you need to sign up for our Internet Banking Solutions, which are included in all Business packages. For more information, consult the Banking Services for Businesses Fee Guide.

When first accessing the Deposit option in the mobile app, a company administrator must give consent by accepting the terms and conditions to have access to the mobile deposit option.

Once the terms and conditions have been accepted, any other administrator already in the company profile will have access to the mobile deposit option.

To make a deposit:

• Open the National Bank app
• Click Deposit at the bottom of the screen
• Enter the amount on the cheque, then click Next
• Take a picture of both sides of the cheque, then click Next
• The photo will be taken automatically thanks to technology designed to recognize the image of a cheque
• Select the account you want to deposit the amount into, then click Next
• Verify the deposit information, and click on Validate to confirm the deposit

A confirmation message will then be displayed on the screen, as well as how long you need to keep the original cheque.

You can make deposits into the same transaction accounts you already use with our Internet Banking Solutions, except for joint accounts.

By using the app, you can deposit cheques, certified cheques, money orders, and bank drafts as well as travellers cheques (other than Thomas Cook). However, the items must be in CAD and drawn on a Canadian financial institution. For cheques in USD, you can use the app’s scanner or go to a branch. To deposit cheques in foreign currencies other than USD, we invite you to deposit them at a branch.

Here are some possible reasons:

1. You’re using the mobile website. If so, download the National Bank app from the App Store or Google Play.
2. You haven’t consented to the terms and conditions to allow cheque deposit on your mobile device.
3. You only have an account with co-holders.
4. You don’t have a Canadian currency account.

You can deposit cheques until 9 p.m. (ET) on business days and they’ll be processed the same day. Cheques deposited after that time will be processed during the next business day. Note that a deposit is always made in real‑time. It’s the deposit date that changes according to the cut‑off time.

Just like cheques deposited at a branch or via an ABM, cheques deposited remotely are generally subject to thedeposit/withdrawal limits applicable to your account. The terms and conditions of access to funds and the peculiarities of digital deposits are set out in our Access to Funds Policy. To change your deposit/withdrawal limit, please contact your advisor.

You can deposit one cheque at a time using digital deposits.

We want to make sure that your deposit amount has been transferred into your account and that all the control procudeures have been completed before you get rid of the original cheque. That's why the deposit confirmation indicates a date so you know exactly how long you need to keep the cheque. This helps us make sure we can assist you efficiently and give you access to your deposit amount as quickly as possible. We recommend that you keep the cheque in a secure location to limit the risk of copying. Ensure that the items are safely destroyed (shredded) afterwards.

The app lets you sign payments of the same and different currency fund transfers, Interac ^®, salary deposits, and government remittances (Quebec and Canadian governments). The app also allows the signing of transactions that require one or two signatories.

The transactions you can sign are at the top of the screen when you sign in and you can access them anytime from the Transactions to sign section. Only transactions that you can sign on the app will be displayed, unlike on your web browser where all transactions will be displayed.

If the Sign button is greyed out, it’s probably because you haven’t accepted the terms and conditions displayed onscreen. Make sure you’ve clicked the I accept button. This will make the Sign button green and allow you to sign the transaction.

All accounts that you have access to on the web platform are also available on the app.

Go to the bar at the top of the My Accounts screen to select the company for which you want to make a transaction. Changing the subsidiary can be done only from this screen and from the Transactions to sign screen. Use the search field under the company name to search for the company by name or number.

If you want to deposit a cheque, a message will be displayed to confirm the company you want the cheque deposited to. Before making any transactions, make sure that the company displayed at the top of the screen is the one you want.

Go to the Transactions to sign section in the left menu. You’ll see all the primary business transactions to sign. If transactions can be signed in one or more subsidiaries, a message will be displayed on the screen. Then, select the subsidiaries in the top search bar and sign the transactions pending a signature.

A foreign exchange contract, also called a “forward transaction”, is the purchase or sale of a currency at a predefined rate in the future. It allows the exchange rate for currency conversion to be set in advance, essentially eliminating the risks associated with market fluctuations. The forward exchange rate reflects the current spot rate adjusted upwards or downwards according to prevailing forward rates. The maximum term of the contract depends on your needs and the credit agreement granted by the bank. The payment of this contract can be made on a fixed date or over a period of 30 days (or up to 180 days in some cases).

A foreign exchange spot, also called a “spot”, consists of exchanging two currencies at a negotiated rate within two days of trading. This date is called the “spot” date.

In order to execute an open or closed contract, you must suscribed to the Foreign exchange operations platform.

Click Foreign exchange in the left menu and choose the type of transaction you wish to execute, either spot, closed or open futures.

Here are the steps to follow to complete your transaction:

• Select the type of transaction (spot, closed futures or open futures)

• For a closed contract, you must enter the value date

• For an open contract, you must enter the option date and the value date

• Select the currency you wish to buy

• Select the currency you wish to sell

• Enter the amount of the transaction in the currency of your choice

• You can enter additional information in the Comments section.

Foreign exchange transactions can be made Monday through Friday between 7:30 a.m. and 5:00 p.m. (ET).

To use an existing foreign exchange transaction, select the desired type of transaction from the menu on the left (wire transfer, EFT), enter the information for the transaction and select the desired contract.

No, there won’t be any additional fees.

Yes, the foreign exchange trader will still be your go-to contact for foreign exchange transactions.

No. However, a monetary adjustment (debit or credit) will be made to account for the fair market value of the contract. The new deferred contract rate will reflect this adjustment. In the case of a debit, the new rate will be better than the original rate. In the case of a credit the new rate will be worse than the original rate.

If you have any questions, contact your foreign exchange trader at 514-390-5655 or 1-844-990-5655.

As soon as you’ve confirmed the transaction.

To find out the maximum term allowed, refer to your letter of offer of financing, in the Replacement Risk Facility section. Your foreign exchange trader can also provide you with this information.

Yes. To do this, refer to the Contract tab.

Not yet. This product will be available at a later date.

In the Preferences tab, you can choose the currencies you want to use on a regular basis.

• Manage foreign exchange transactions
• Postpone a contract
• Advance a contract
• Merge contracts

The new platform allows greater autonomy for the management of your foreign exchange contracts. We’ll also be adding new features in the coming months.

You can make your changes or corrections directly on the platform. You also have the possibility to contact your foreign exchange trader.

We invite you to contact your foreign exchange trader directly at 514-390-5655 or 1-844-990-5655 for all questions related to your foreign exchange operations, such as market trends, currency hedging or technical support to navigate the new platform.

We invite you to contact your trader directly at 514-390-5655 or 1-844-990-5655 from Monday to Friday, 7:30 a.m. to 5 p.m. (ET).

We invite you to contact your foreign exchange trader directly at 514-390-5655 or 1-844-990-5655 for more information.

We invite you to contact your foreign exchange trader directly at 514-390-5655 or 1-844-990-5655 for more information.

As soon as you’ve confirmed the transaction.

We invite you to contact your foreign exchange trader directly at 514-390-5655 or 1-844-990-5655.

Call us at 1-844-394-4494 to sign up for the Foreign Exchange Operations option or to increase your limit.

Yes, the Interac e‑Transfer ^® service is secure. The security question and answer ensures that only the recipient can deposit the funds. Rest assured that National Bank has taken measures that meet the industry standards to protect you against online fraud.

After four unsuccessful attempts, the recipient will no longer be able to receive the transfer. You'll receive an email indicating that the recipient did not answer the question correctly. The email will also indicate how to retrieve and deposit the funds back into your account.

By giving your consent, the company agrees to carry out this type of transaction. In addition, this step helps you understand the Terms of Use and shows you the email address that Interac ^® will use to communicate with you and your users. You can also select your preferred language during this step.

You can give your consent online on Internet Banking Solutions for Businesses (this feature is not yet available for mobile devices). You can give your consent via the administrator profile when you send or receive a transfer and when you grant your users Interac recipient management rights. Once you've given your consent on Internet Banking Solutions for Businesses, you'll be able to carry out transfers using the mobile app.

You can give your consent online on Internet Banking Solutions for Businesses (this featureOnly business administrators can consent. The consent of every administrator isn’t required, you only need one authorized administator to make transfers. To view the Terms of Use for this feature, go to the Interac e‑Transfer ^® section of your Internet Banking Solutions for Businesses.

No, the signature authorization structure has not changed for Interac e‑Transfer ^®. If you only want to sign the transaction, you can do it on Internet Banking Solutions for Businesses.

It's because it's the first time you're accepting this type of transfer. To go to the Commercial Banking page, simply choose National Bank – Business from the drop‑down menu on the Interac ^® page. Next time, you'll be able to click directly on the National Bank logo since the Interac e‑Transfer ^® service will recognize that you want to access the commercial site.

By consenting, the company agrees to execute this type of transaction. At the same time, this step allows you to read our Terms of Use, set your prefered language and indicate which email address will be used by Interac ^® to communicate with you and your users.

Only the administrators of the company can consent. The consent of all administrators isn’t required. The consent of an authorized administrator is required to make transfers. To view the Terms of Use for the feature, visit the Interac e‑Transfer ^® section of your Internet Banking Solutions for Business.

You can consent online on your Internet Banking Solutions for Businesses (feature not yet available on the app). You can consent through the administrator profile, when you send or receive a transfer and when you grant the right to manage Interac recipients to your users. Once your consent has been given to your Internet Banking Solutions for Business, you will be able to make transfers on the app.

Watch our demo to learn more.

To add a recipient:

• Open an Internet Banking Solutions for Businesses session
• Select Manage suppliers/recipients in the left menu
• Select Add a supplier/recipient
• Select Interac e-Transfer ^® recipient in the menu.

To modify or delete a recipient:

• Open an Internet Banking Solutions for Businesses session
• Select Manage suppliers/recipients in the left menu
• Select the recipient;
• Select whether you want to modify or delete the recipient

You can change a recipient’s information at any time, except in cases where there’s a security issue. As soon as the changes are made, they will apply to new transfers. If you make a change to the security question and answer, the change will affect all transfers whether they’re already sent or waiting to be sent.

You can delete a transfer when it hasn’t yet been sent to the recipient, when the transaction is waiting for a signature, or when it’s post-dated. You can cancel a transfer after it’s been sent, but not accepted by the recipient. Certain fees apply in the case of a cancellation.

Consult the Fee Guide- Banking Services for Businesses for all the details.

A transfer can’t be accepted by a recipient with identical email addresses at the same financial institution as the sender. You can easily use the same email address with other financial institutions.

To transfer funds between your accounts at National Bank, we recommend that you use the Transfer option.

Of course! You can find all your transactions in the Transactions update on Internet Banking Solutions for Businesses.

To send an Interac eTransfer ^® , the limit is $25,000 daily, $100,000 weekly and $500,000 monthly for businesses.

To receive funds, there is no daily, weekly or monthly limit. However, you can receive a maximum of $25,000 per transaction.

Recipients will receive an email from the Interac e‑Transfer ^® service informing them of a transfer. If, after a certain time, the recipient still has not accepted a transfer, you can send a reminder via Internet Banking Solutions for Businesses.

Recipients have about 30 days to accept the transfer. After that, they can no longer accept the funds. You'll receive an email notifying you that a transfer was not completed and to deposit the funds back to your account.

After four unsuccessful attempts, the recipient will no longer be able to receive the transfer. You'll receive an email indicating that the recipient did not answer the question correctly. The email will also indicate how to retrieve and deposit the funds back to your account.

The funds are available in the account as soon as the recipient accepts the transaction, but if the funds are accepted after 9 p.m. (ET), during the weekend or on a holiday, the transaction will only be visible the following business day.

It's when funds are deposited directly into an account without having to accept the transfer and answer the security question.

It's a request sent to a service provider or third party to transfer funds via the Interac e‑Transfer ^® service.

You can answer them by sending them an Interac e-Transfer ^®.

You’ll receive a message from Interac ^® informing you that someone has sent you a money request. By clicking on the hyperlink included in the Interac message, you’ll be able to accept or decline the request. If you agree, a transfer will then be generated and sent. Be sure to complete the transfer information since the money will be deposited directly into the applicant's account and it won’t be possible to cancel the transaction. There's no fee for responding to money requests.

You can carry out an Interac e‑Transfer ^® from any available accounts you can already access via the dropdown menu on the transfer creation screen.

To add new Canadian accounts, the authorized administrator must click on Manage my accounts in the administrator's option and complete the online request.

Absolutely! Once consent is given, the user rights under the Payment option will be applied for Interac e‑Transfer ^® rights.

It's for your convenience! When you create a recipient, your question/answer will be registered automatically. That way, you won't have to repeat this step for each transfer to that recipient. We recommend to avoid special characters and using the language chosen for communicating with your recipients.

The first five business administrators, if applicable, will receive an alert when a recipient is added or modified. This alert is sent by email or text depending on preferences set by the administrator. This measure was implemented to increase the security of the Interac e‑Transfer ^® service.

You can manage the administrators who receive alerts in Internet Banking Solutions for Businesses.

To do so:

1. Click Administrator options
2. Under the section Others, click Manage alerts
3. Find the A recipient has been added or modified alert and click Modify in the Actions column
4. Change the recipients of the alert in this screen

You must enter at least one recipient of the alert, and a maximum of five.