Engineers, Graduates and Students in Engineering

Ingenious solution

As an engineer, graduate or student in engineering, you design, innovate and carry out promising projects that help advance our society. That’s why National Bank would like to offer you a financial package that includes a wide range of ingenious solutions that satisfy your needs. Our personalized service approach will allow you to focus on your professional projects and make your ideas a reality.

Advantages for professionals

Up to three bank accounts and unlimited transactions

Get up to three CDN$ or US$ bank accounts3 with no monthly service fees and unlimited transactions on most of the automated services you use on a daily basis.

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A MasterCard credit card for the world traveller in you

The Platinum MasterCard® gives you the flexibility to travel when and where you want with total freedom and peace of mind. You can redeem your points for any service offered by a travel agency or airline, including those online. You can even take advantage of last-minute discounts!

Fill out the credit card application form and bring it to your advisor with a proof of your professional status.

New! Engineers can now obtain a World or World Elite MasterCardMD,1 credit card, one of the top travel cards.

When you sign up for the additional MasterCard credit card, your spouse will also be able to benefit from the personal banking advantages of the package.

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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®1,2 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.

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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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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. 

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Essential tools for engineer/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, as well as business accounts with reduced rates on certain transactions.

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Eligibility Requirements

To be eligible for the financial package for engineers and graduates in engineering, you must:

  • Be an engineer or a graduate in engineering (proof of your professional status is required)
  • Have a National Bank account and a MasterCard credit card associated with the package
  

Advantages for students

One bank account, unlimited transactions

Get a CDN$ or US$ bank account3 with no monthly service fees and unlimited transactions on most of the automated services you use on a daily basis.

Learn more

A MasterCard credit card for the world traveller in you

A flexible, rewarding tool, the National Bank Platinum MasterCard®-1 lets you travel with complete freedom and peace of mind. This credit card is offered free of charge for the first two years1.

Fill out the credit card application form and bring it to your advisor with a proof of your status as a full-time student.

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

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An accessible and reassuring Student Line of Credit

The National Bank Student Line of Credit7 is a convenient and flexible solution forfinancing 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;
  • Available funds accessible at all times;
  • No pay-back of principal, interest or insurance premium 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. Only interest and insurance premium payments (if applicable) must be made monthly.

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Annual credit limit:

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

Between $7,000 & $12,000

Between $28,000 & $48,000† 

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

Between $7,000 & $12,000

Between $35,000 & $65,000

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

Take control of your investments

We offer do-it-yourself investors a comprehensive direct brokerage platform that is easily accessible and reliable. It allows you to make trades, plan and take charge of your investment decisions, backed by a team of dedicated specialists, cutting-edge technology and sophisticated tools.

  • No annual administration fee
  • Trade for $9.95 any time, or for as low as $6.95 if you are an active investor (30 trades or more per quarter)
  • Credit balance in a brokerage account: Receive a bonus of 0.5%
  • Debit balance in a margin account: Receive a discount of 0.5%

Discover the many investment solutions available via National Bank Direct Brokerage.

Eligibility Requirements

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

  • Be a full-time university engineering student in Canada (minimum requirement: enrolment in a Bachelor’s degree program)
  • Have a National Bank account and the Platinum MasterCard®,1 credit card associated with the package
  • Visit the branch once a year to update your file (you will be asked to present two identity documents, proof of full-time student status and your latest transcript)
 

Questions?

Call 514-394-5555 or 1-888-4-TelNat

 

* The term “transfer” means transfers between transaction accounts held by the same person

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.

9 Certain browser versions are required to access National Bank’s Internet Banking Solutions and Mobile Banking Solutions. For information, go to nbc.ca/browsers.

10 Minimum 12-month rental in Canada. Some conditions apply, particularly concerning eligibility for safety deposit box rental. Details available in branches. Safety deposit box rental charges are indicated in the Guide to Personal Banking Solutions, which is available in branches.

11 Subject to the terms and conditions described on the insurance certifi cate. Certain exclusions and restrictions apply. Insurer: National Bank Life Insurance Company.

® 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 American Express Company US. AUT Copyright; American Express Canada, Inc. 1992 SS-010-F.

®6 Registered trademark of Fiserv Inc.

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.