Business Professionals and Students

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In your line of work, you’re always looking after your clients’ financial matters. To help you manage your own finances more easily, National Bank offers a complete financial package specially designed for business professionals and business students: 

lawyers, notaries, accountants (CPA), graduates of HEC Montréal

Access unique financing and investment solutions. Obtain advantageous interest rates on mortgages, lines of credit and investments. We’ll provide sound banking solutions for your personal and business needs!

Advantages for professionals

One bank account, unlimited transactions

Obtain a CDN$ or US$ bank account1 with a reduced monthly rate of $7.95. If you maintain a minimum monthly balance of $2,500, you won’t have to pay the monthly service fee covering the transactions included in the package.

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An OVATION Gold®6 MasterCard®: Save and earn rewards points

Save on banking fees and enjoy a generous rewards plan and exclusive coverage with the OVATION Gold MasterCard, offered at a reduced rate exclusively for you.

Complete the OVATION Gold credit card application form and give it to an advisor at a branch with a proof of your professional status.

New! You can now choose from three of the top travel cards: National Bank Platinum, World and World EliteTM MasterCard®,2.

Certain qualification criteria apply.

Complete the Platinum, World and World Elite credit card application form and give it to an advisor at a branch with a proof of your professional status.

When you sign up for the additional3 MasterCard credit card, your spouse will also be able to benefit from the associated privileges.

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Financing solutions at an advantageous rates

Financing solutions tailord to your needs

A flexible line of credit
Offered at an advantageous interest rate, the Personal Flex Line®1,2 gives you immediate access to financing. That means you can take rapid action since you don't need to submit a new loan application every time you begin a new project.

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Mortgage financing

We know your situation is unique. That’s why we offer flexible mortgage financing solutions that meet your specific needs.

  • National Bank mortgage loans allow you to combine several mortgage financing solutions while enjoying advantageous interest rates.
  • The All-In-One BankingTM line of credit, offered at an advantageous rate, allows you to manage your financing needs, bank accounts and short-term cash via a single solution.

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Rewarding investments, managed your way

Rewarding investments, managed your way

Whether you are looking for full-service brokerage solutions for your Wealth Management needs, direct brokerage solutions, or financial planning, investment portfolio management and asset management services, we offer a full range of investment solutions.

National Bank’s team of specialists can help you manage your investments based on your autonomy, financial objectives and investor profile.

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Essential tools for entrepreneurs

Do you have an entrepreneurial spirit? Our specialized team can assist you in your business activities. National Bank also offers numerous investment and financing solutions to simplify your life.

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Eligibility Requirements

To be eligible for the financial package for business professionals, you must:

  • Be a lawyer or notary and a provincially certified member of your professional association; or a provincially Certified Professional Accountant (CPA) with your professional association; or a graduate of HEC Montréal (minimum required: enrolment in a Bachelors program)
  • Provide proof of your professional status
  • Have a bank account eligible for the package5

Advantages for students

One bank account, unlimited transactions

Obtain a CDN$ or US$ bank account1 with no monthly fees on the transactions included in the package for the duration of your study program and unlimited transactions on certain automated services.

Learn More

An OVATION Gold®6 MasterCard®: Save and earn rewards points

Save on the annual fee for the first two years6 and enjoy a generous rewards plan and exclusive coverage with the OVATION Gold® MasterCard®, offered at a reduced rate exclusively for you.

Complete the credit card application form and give it to an advisor at a branch with proof of full-time student status.

New! Financial package subscribers can now obtain a National Bank Platinum MasterCard®. No annual fee will be charged for the first two years.

Certain qualification criteria apply.

Complete the Platinum credit card application form and give it to an advisor at a branch with a proof of your professional status.

Student line of credit

The National Bank Student Line of Credit7 is a convenient and flexible solution for:

  • Financing all your annual tuition and education-related expenses

Main advantages :

  • Advantageous interest rate
  • Credit limit established according to your needs and your level of studies
  • No pay-back of principal or interest while you are a full-time student
  • Option of deferring principal payments for up to 12 months after you complete your studies, within your credit limit. However, interest accrues during that period. Only interest and insurance premium payments (if applicable) must be made monthly
  • Your repayment period will be established according to your credit limit

Annual credit limit:

Level Amount authorized per year1 Maximum amount authorized
University undergraduate (Bachelor's)

Between $5,000 & $16,000 *

Between $20,000 & $48,000 *

University graduate (Master's or Ph.D.)

$6,000 *

Between $25,000 & $60,000 *

*The amounts vary according to the province where you study.

Transactional free services :

  • Client-Card purchases in Interac®2, NYCE®3 and Maestro Networks®4
  • 200 personalized cheques per year
  • Transactions at National Bank banking machines2 or branch counters: withdrawals 
  • Online account statement
  • Overdraft protection
  • Online, TelNat telephone and mobile transactions3: transfers, transfers to another person and bill payments
  • Use of THE EXCHANGE®5 banking machine network

Eligibility Requirements

To be eligible for the financial package for business students, you must:

  • Be a full-time university student enrolled in accounting, law school, notarial law, be a notary intern or a full-time student at HEC Montréal
  • Visit your branch once a year to update your file. Present two identity documents, proof of full-time student status and your most recent transcript
  • Have a bank account eligible for the package5

 

1 Bank account with chequing privileges.

2 Subject to credit approval by National Bank of Canada. Certain conditions apply. Grace period: No interest will be charged on the purchases made during the month if the balance is paid in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances and balance transfers. Minimum payment: the minimum payment to be made to the Bank every period shall be equal to 3% of the unpaid balance indicated on the monthly statement or a minimum of $10, whichever amount is higher (or the new unpaid balance if it is lower than $10). Account statement: a statement of account is sent on a monthly basis.

Examples of interest charges for a 30-day period at the rate applicable on February 1, 2015 :

Annual interest rate Average balance
  $500 $3,000
19.99% (regular purchases rate) $8.22 $49.29
21.99% (regular cash advances and balance transfers) $9.04 $54.22

3 For financial packages, only the spouse of the primary cardholder is eligible for an additional card.

4 Financing subject to credit approval by National Bank. Certain conditions apply.

5 National Bank reserves the right to cancel, without notice, the discounts and other advantages offered with the financial package if the client closes his eligible bank account or cancels his eligible MasterCard account and replaces them with a bank account or MasterCard account that is not eligible for the package.

6 Two years after the card is issued, the annual fee in effect at that time will be billed automatically and will appear on the account statement of the Platinum MasterCard. On February 1, 2015, the annual fee was $125. Offer not renewable.

7 Subject to credit approval by National Bank of Canada. Certain conditions apply. A guarantor who meets the Bank's criteria may be required. The annual amount is based on your personal budgetary requirements.

8 User fees for the Interac® banking machine and point-of-sale network and the Cirrus® banking machine network are also payable. No additional fees apply for the use of THE EXCHANGE®5 banking machine network.

® MasterCard is a registered trademark of MasterCard International Inc. Authorized user: National Bank of Canada.

®1 Personal Flex Line is a registered trademark of National Bank of Canada.

®2 Registered trademark of Interac Inc.

®3 NYCE is a registered trademark of NYCE Corporation.

®4 Maestro is a registered trademark of MasterCard International Inc. Currency exchange charges apply. For complete details about transactions in foreign currencies, please refer to the Agreement Governing the Use of Automated Services and Electronic Banking Solutions, available in branches or at bnc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and the converted into Canadian dollars.

®5 Registered trademark of Fiserv Inc.

®6 OVATION Gold is a registered trademark of National Bank of Canada.

TM World Elite is a trademark of MasterCard International Inc. Authorized user: National Bank of Canada.

TM1 National Bank All-In-One Banking is a trademark of National Bank of Canada.