Healthcare Professionals and Students
To help you take care of the people who rely on you, National Bank offers an exclusive financial package for healthcare professionals:
physicians, chiropractors, dentists, optometrists, pharmacists, podiatrists, veterinarians.
Access unique banking privileges and benefit from of our financing and investment solutions for you and your clinic. We'll provide sound banking solutions for your personal and professional needs!
Save1 with our exclusive bundle for healthcare professionals.
Up to three bank accounts and unlimited transactions
Enter a world of privileges with the World and World Elite MasterCard credit cards
The generous World MasterCard®,3 credit card combines prestige, flexibility and protection. In addition to accelerated accumulation of points, the freedom to travel when and where you want and a comprehensive insurance program, you have free access to an outstanding concierge service and the National Bank Lounge at Montreal-Trudeau airport.
Fill out the credit card application form and bring it to your advisor with a proof of your professional status.
Financing solutions at an advantageous interest rate
Financing solutions tailord to your needs
A flexible line of credit
Offered at an advantageous interest rate, the Personal Flex Line®1,5 allows you to use your funds with complete freedom. Accessible at any time, it prevents you from having to submit a new loan application for every new project you begin, enabling you to take rapid action.
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 BankingTM,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.
Investment solutions with preferential conditions
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.
Essential tools for entrepreneurs
To be eligible for the financial package for healthcare professionals, you must:
- Be a physician, a chiropractor, a dentist, an optometrist, a pharmacist, a podiatrist or a veterinarian.
- Provide proof of your professional status.
- Deposit all occupational earnings (RAMQ and other) in a National Bank account.
- Have a bank account and a credit card eligible for the package6.
Save7 with our exclusive bundle for healthcare students.
A bank account with unlimited transactions
A Platinum MasterCard credit card for the world traveler in you
A flexible, rewarding tool, the National Bank Platinum MasterCard®,3 lets you travel with complete freedom and peace of mind. This credit card is offered free of charge for the first two years8.
Fill out the credit card application form and bring it to your advisor with a proof of your status as a full-time student.
An accessible and reassuring 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 studies;
- Accès en tout temps aux fonds disponibles;
- No pay-back of principal, interest or insurance while you are a full-time student or resident;
- Repayment period established according to your credit limit;
- Option of deferring principal payments for up to 12 months after you complete your studies9, within your credit limit. However, interest accrues during that period. Only interest and insurance premium payments (if applicable) must be made monthly.
Annual credit limit:
|Field of study||Maximum limit authorized for the
duration of your studies
Between $130,000 & $200,000†
Between $80,000 & $120,000†
Between $80,000 & $100,000†
Between $80,000 & $100,000†
Between $80,000 & $140,000†
Between $60,000 & $80,000†
† The amounts vary according to the province where you study.
To be eligible for the financial package for healthcare students, you must:
- Be a full-time student in Canada in one of the following disciplines: medicine, dentistry, veterinary medicine, podiatric medicine, optometry, pharmacy, chiropractic.
- Visit your branch once a year to update your file. Two pieces of identification, a proof of status as a full-time student and your most recent transcripts will be requested.
- Have a bank account and a credit card eligible for the package6.
Call 514-394-5555 or 1-888-4-TelNat
1 Subject to credit approval by National Bank. The package constitutes a benefit granted to holders of a National Bank Platinum, World Mastercard®, or World Elite® Mastercard® credit card. As an example, a package holder can potentially save up to $2,336.50 per year. This figure is based on the typical profile of a package holder who has the following: a banking package equivalent to the Virtuoso® package, a World Elite® Mastercard® credit card, a National Bank All-In-One Banking™ mortgage line of credit with a current annual balance of $150,000, and a personal line of credit with a current annual balance of $25,000, all with a good credit rating from credit bureaus.
The savings were calculated as follows: no monthly transaction fees included in the Virtuoso® package (annual savings of $299), plus an annual 1.00% discount on the All-In-One Banking line of credit rate (annual savings of $1,500), plus an annual 2.75% discount on the personal line of credit rate (annual savings of $687.50), minus the annual fee for the World Elite® Mastercard® credit card for one year. These discounts represent the difference between what a client who is not a package holder might have and what a package holder might have. Some eligibility requirements apply; for more details, go to nbc.ca/healthcare-professional. These potential savings may not match your net savings, as they vary according to your financial situation.
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:Your minimum payment will correspond to 3% of your account balance plus any amount already due or $10, whichever amount is higher. If your account balance is lower than $10, you must pay the entire balance. If you exceed your credit limit, the amount of the minimum payment will be the highest of the following amounts: (a) 3% of the account balance or (b) the amount of the overlimit. 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|
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 Subject to credit approval by National Bank. As an example, a package holder can potentially save up to $633 per year. This figure is based on the typical profile of a package holder who has the following: a banking program equivalent to the ClickStudent® program (ClickStudent® is available to full-time postsecondary students age 18 to 24; other banking packages and programs are also available) and a bank-authorized Student Line of Credit with guarantor with a current annual balance of $30,000.
The savings were calculated as follows: no monthly transaction fees included in the ClickStudent® program (annual savings of $33), plus an annual 2.00% discount on the Student Line of Credit rate (annual savings of $600). These discounts represent the difference between what a client who is not a package holder might have and what a package holder might have. Some eligibility requirements apply; for more details, go to nbc.ca/health-student. These potential savings may not match your net savings, as they 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.
® MASTERCARD, WORLD MASTERCARD, and WORLD ELITE are registered trademarks of Mastercard International Incorporated, used under licence by National Bank of Canada.
® VIRTUOSO is a registered trademark of National Bank of Canada.
™ NATIONAL BANK ALL-IN-ONE BANKING is a trademark of National Bank of Canada.
® CLICKSTUDENT is a registered trademark of National Bank of Canada.