Cross-border banking solutions

Discover solutions to simplify your business transactions between Canada and the U.S.

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Photo of a smiling businessowner in front of his truck that is a part of his cross-border operations
Photo of a smiling businessowner in front of his truck that is a part of his cross-border operations

Simplify your cross-border banking

Get personalized assistance in English or French

Access your accounts online

Grow your business without having to register your company in the U.S.

Our USD accounts

Open a basic (Basic Demand Deposit Account) or premium (Premium Demand Deposit Account) National Bank chequing account for your cross-border banking needs.

Basic Demand Deposit Account

$25/MONTH

  • View your account balance and see transactions online 
  • No monthly fee with an average balance of $25,0001
  • Personalized interest offer for accounts maintaining a minimum balance of $5 million2
  • Zero-balance option*
  • Fund$Manager online banking services Essential modules**
  • Top choice for e-commerce and businesses that make fewer transactions

Premium Demand Deposit Account

$45/MONTH

  • Make and receive payments online and avoid FX fees with Fund$Manager, our online banking solution
  • No monthly fee with an average balance of $25,0001
  • Personalized interest offer for accounts maintaining a minimum balance of $5 million2
  • Zero-balance option*
  • Fund$Manager online banking services essential modules**
  • Fund$Manager online banking services advanced modules***
  • Top choice for well-established businesses and/or businesses with a high volume of transactions

*With our daily sweep feature, funds are automatically transferred from your US account to your Canadian USD account.

**View documents, track account activity, and set up real-time alerts.
 

***Select the modules that best suit your needs: payment modules; digital deposit module; account receivable module; and fraud protection.

Online banking for businesses with Fund$Manager

Use Fund$Manager3 for your online banking, our digital platform for clients with accounts in the U.S. Choose the Fund$Manager modules you need and handle all your day-to-day banking needs.

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 U.S. 
  • 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. 

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 Chicago, Dallas, or Los Angeles. 
  • View payments received throughout the day (frequently emptied lockboxes). 
  • 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. 

Notification module

Real-time alerts

  • Always know what’s going on with your money. 
  • Get notified if your balance drops below a selected threshold. 
  • Be informed when a deposit above the set threshold is made. 
  • Get peace of mind by detecting signs of fraud and irregularity in your transactions.
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Helpful services

Currency hedging

Reduce exchange rate risk.

Documentary credit

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

International payments

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

The little details that matter

  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.