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

Offre pour les gestionnaires
money-savings-ico

Save1 up to $1 300 a year with our exclusive bundle for business professionals.

One bank account, unlimited transactions

Obtain a CDN$ or US$ bank account2 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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Mastercard credit cards: a world of privileges

World and World Elite

Sign up for the Mastercard@,3 World or World EliteTM credit card and enjoy a world of privileges: a generous rewards plan, comprehensive insurance, and advantages that make the best trips even better.

Complete the 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 additional4 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®1,5 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 loans5 allow you to combine several mortgage financing solutions while enjoying advantageous interest rates.
  • The All-In-One BankingTM1,5 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 package6

Advantages for students

Offre pour les étudiants en gestion
money-savings-ico

Save7 up to $530 a year with our exclusive bundle for students in business.

One bank account, unlimited transactions

Obtain a CDN$ or US$ bank account2 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

A Platinum MasterCard: Save and earn rewards points

Financial package subscribers can obtain a National Bank Platinum MasterCard®,3. No annual fee will be charged for the first two years8.

When signing up for the additional MasterCard credit card4, your spouse will also be able to benefit from the associated privileges.

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

Certain qualification criteria apply.

An accessible and reassuring Student Line of Credit

The National Bank Student Line of Credit9 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 studies9;
  • Available funds accessible at all times;
  • Only interest and insurance premium payments (if applicable) must be made monthly while you are a full-time student;
  • Repayment period of your Student Line of Credit established according to your unused balance;
  • 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.

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Annual credit limit:

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

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.

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 package6

Questions?

Call 514-394-5555 or 1-888-4-TelNat

Legal notes

 

1 Certain conditions apply. Exclusive to eligible professions in the Business professionals bundle. Based on annual savings of $168 on transactions included in the Virtuoso®1 package compared to the monthly package fee of $7.95; an annual discount of $844 based on a reduction of up to 6.25% for an average personal line of credit of $13,500 (rate may vary depending on credit record); an annual discount of $375 based on a reduction of up to 0.25% for a National Bank All-In-OneTM1 line of credit with an average volume of $150,000 as part of the Business professionals bundle. The potential savings represented do not reflect the net savings that you will receive, this amount will vary according to your financial situation.

2 Bank account with chequing privileges.

3 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 July 12, 2016 :

Annual interest rate Average balance
  $500 $3,000
19.99% (regular purchases rate) $8.22 $49.29
22.99% (regular cash advances and balance transfers) $9.45 $56.69

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

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

6 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.

7 Certain conditions apply. Exclusive to students studying in the eligible fields of study for the Students in business bundle. Calculation based on a yearly saving of $299 on transactions included in the Virtuoso®1 package; an annual discount of $110 calculated on a reduction of up to 0.5% on the Student Line of Credit for the bundle for Students in Business, based on an average line of credit of $22,000 (rate may vary depending on credit file); and a saving of $125 per year on the Platinum MasterCard® credit card for the first 2 years.
The potential savings represented do not reflect the net savings that you will receive, this amount will vary according to your financial situation.

8 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.

9 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.

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

®1 Personal Flex Line and Virtuoso are registered trademarks 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.