Chequing Account with the Virtuoso®4 Package

Compare all packages

General summary

( Included in the package)


Chequing account
With Virtuoso4 ,1,6 package


This solution...

Is optimal if you want no limits on the number of transactions you can make.

Number of transactions included

Unlimited electronic and counter transactions.2 ?

Fixed monthly fees

No flat fee if minimum monthly balance is $5,000. Cardholders 60 or older are currently entitled to a monthly $5 rebate on the Virtuoso and AccessPlus packages. As OVATION Gold cardholders, they qualify for an additional 50% discount on the reduced monthly fees for these two packages, up to a maximum of $5 per month.


Electronic Banking Solutions


With package
Virtuoso4 ,1,6


By Internet or telephone

Transfer or Internet transfer to other people


Interac1 e-Transfer


Service for sending Interac1 e-Transfer


Bill payment


Automated Services

Client Card purchase ?


ABM Withdrawal and transfer


List of ABM transactions ?

ABM Bill payment service


Cheque and pre-authorized debit



Counter transactions


With package
Virtuoso4 ,1,6


Counter services

Withdrawal transfer or withdrawal for bill payment


Bill payment service


Other services

Chequing services

Personal cheque order


Certified cheque

American Express4 Travellers Cheques
(excluding American Express4 Travellers for two)

Return of cashed cheques (no charge if no cheques are cashed)

Account handling

Online statement

Paper statement



With package
Virtuoso4 ,1,6


Various services

Automatic transfer carried out with your authorization by National Bank, at a specific date ?


Overdraft protection ?

Foreign currency drafts or money orders

Canadian dollars draft

Canadian dollars money draft

$5.00 discount on annual safety deposit box charges

$0.50 discount on withdrawals via the Interac1 network

Intergrated lines of credit6

The Virtuoso6 Line of Credit

 Included in the package


1 Also available with Personal Flex Line4 of credit accounts.
2 User fees for the Interac1 and CIRRUS3 ABM network are extra. No additional fees apply for use of THE EXCHANGE5 ABM network.
3 American Express2 Travellers Cheques for two: 1/2 of 1% in US$ in addition of commission.
4 Applicable charges for US$ drafts and money orders are in US$.
5 Minimum 12-month rental in Canada. Certain conditions apply concerning eligibility for safety deposit box rental.
6 Subject to credit approval by National Bank of Canada. This package does not waive interest charges. The applicable interest rate is prime + 7%. Interest rate is subject to change. 
1 Registered trademark of Interac Inc.
2 Registered trademark of American Express Company US. AUT Copyright; American Express Canada Inc. 1992 ss-010-E.
3 Registered trademark of CIRRUS SYSTEMS Inc.
4 Virtuoso, Personal Flex Line and OVATION Gold are registered trademarks of National Bank of Canada.
5 Registered trademark of Fiserv Inc.

Compare all packages

Open a Chequing account with the Virtuoso®4 package in a few easy steps.

  • I already have a National Bank transaction account

    1. Open an Internet banking session.
      Not signed up yet? Sign up now!
    2. Click "Account Opening" in the left hand menu and fill out the application form.

    Already have a Chequing account?
    Apply for the Virtuoso package.

  • I don't have a National Bank transaction account

    Go online to open a chequing account with the Virtuoso package.*


    Go to the branch nearest you to meet with one of our representatives.

*Please note that we will be able to process your request remotely under the following conditions :

  • No joint application or for a third party
  • You live in the province of Quebec or of Ontario
  • You have an existing credit history of 6 months or more and you already have a cheque account with another Canadian financial institution.

Required information:

  • Personal information (e.g. name, date of birth, contact information)
  • Employment information (e.g. name of your employer, annual income)

After submitting your application form:

  • A customer service representative will contact you by e-mail within 2 business days.
  • Please also note that a client-card will be mailed out to you within the next 10 business days following the opening of your account.

For more information, you can call us between 6 a.m. and midnight, 7 days a week at 514-394-5555 or 1-888-TelNat-1 (outside Montreal).

Back to all packages