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Cross-Border Business Solutions (Canada/U.S.)

Simplify your business transactions between Canada and the U.S. with our made-to-measure solutions designed to help you grow your business.

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Cross-border banking made easy

  • Get personalized assistance in English or French
  • Access your accounts online
  • Grow your business without having to register your company in the U.S

Hassle-free banking in the US

Open a National Bank chequing account in the US for your cross-border banking needs.
 

Types of US business accounts

  • Basic Demand Deposit Account
  • Premium Demand Deposit Account
  Basic Demand Deposit Account
View your account balance and see transactions online
Premium Demand Deposit Account
Make and receive payments online and avoid
FX fees with Fund$Manager, our online banking solution
Smiley face Monthly fee $25
No monthly fee with an average balance of
$25,0001
$45
No monthly fee with an average balance of
$75,0001
Smiley face Personalized interest offer for accounts maintaining a minimum balance of $5 million 2
Smiley face Zero-balance option
With our daily sweep feature, funds are automatically transferred from your US account to your Canadian USD account
Fund$Manager online banking services
Essential modules
Smiley face View documents and track account activity
Fund$Manager online banking services
Advanced modules
Smiley face Select the modules that best suit your needs:
  • Payment Modules
  • Digital Deposit Module
  • Account Receivable Module
  • Fraud Protection
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Smiley face The top choice for: Businesses involved in e-commerce
Businesses that make fewer transactions and are looking to issue cheques and receive US payments
Well-established businesses looking to manage and optimize their cash flow

Businesses with a high volume of transactions looking to make and receive payments in the US

Do your business banking from almost anywhere with Fund$Manager

Do your banking online with Fund$Manager, our digital platform for clients with accounts in the US

 

Fund$Manager modules3

  • Choose the Fund$Manager modules you need and handle all your day-to-day banking yourself

Essential Modules4  

Account Information

  • Check your account balance and transactions online
  • View transaction details and history
  • Access your eStatements
  • View double-sided images of issued cheques

Stop Payments

  • Issue stop payment on cheques

Payment Modules

Wire Manager  

  • Easily transfer funds between your National Bank accounts in Canada and the US
  • Process domestic and international wire transfers individually or in batches
  • Choose up to nine authorization levels for wire transfers
  • Control authority levels for effective segregation of duties

ACH Originations

  • Process credits and debits electronically, per transaction or in batches (payroll, dividends, interest and other recurring or one-time payments)
  • Set up to nine authorization levels for ACH payments
  • Reduce costs related to printing, processing and handling cheques

Digital Module

Digital Deposit

  • Deposit USD cheques quickly, easily and securely from your office5, 6
  • Scan cheques anytime and get same-day deposit to your account6
  • Download our best practices guide for help with fraud prevention

Account Receivable Module

Remittance Manager

  • Transform your accounts receivable by making the shift from paper to digital
  • Get automatic processing of payments sent by mail
  • Offer your clients the option of sending their payments to a P.O. box in Atlanta, Chicago, Dallas or Los Angeles
  • View payments received throughout the day (lockboxes emptied frequently)
  • Accelerate your cashflow
  • Reduce costs related to processing and handling cheques

Fraud protection module

Positive Pay 

  • Compare the information on issued cheques (cheque number and amount) with the data captured during cheque processing
  • Reduce fraud risk: any item discrepancies are flagged

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Exchange rate
Letters of guarantee

 

Would you like to guarantee your payments to the U.S.?

Find out about our documentary credit

Foreign currency

 

Are you looking for a simple, effective way to do business with U.S. companies?

Learn more about our wire transfers and intercurrency multipayment service solutions

Legal notes

1 If the daily sweep feature has been activated for an account, the exemption on monthly fees will no longer apply and you will not earn interest on credit balances in that account. Subject to credit approval by National Bank.

2 Conditions and fees apply.

3 For more information on service fees, please contact your Account Manager.

4 This module is a prerequisite for the other modules.

5 You will need to purchase a scanner at your own expense from our supplier Paystation or from a supplier of your choice.

6 Deposits received after 3:00 p.m. (ET) will be deposited to the account in the next two business days. The Bank reserves the right to hold funds policy.