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Accounts and banking services
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You can use your chequing account for day-to-day transactions like making bill payments and transferring money to other people or accounts. A chequing account comes with cheques and a debit card. You can access your chequing account online, through the mobile app and by calling our telephone banking service.
A savings account is an account that earns interest. It’s a great way to save up for a specific goal, like a vacation or a new car, or to ensure you have an emergency fund available when you need it. You can access your savings account online, through the mobile app and by calling our telephone banking service.
Explore our chequing and savings accounts.
Compare our chequing accounts to find the one that best suits your needs.
Tip
Tired of paying fees for going over your monthly transaction limit? The The ConnectedTM and The TotalTM chequing accounts come with several types of transactions in an unlimited transactions.
Are there special offers available to help me save on banking fees?
Yes. Find out if you're eligible for one of our exclusive offers when you open an account.
How do joint accounts work?
You can open a joint account for shared expenses such as groceries and mortgage payments to help simplify your household finances. You can also save for a specific goal you're working towards, like a vacation. Anyone designated as an account holder can carry out transactions in this account.
To open a joint account, make an appointment at the branch.
Interested in learning more? Check out our page about joint accounts.
When I deposit money in my accounts, are the funds insured?
National Bank is a member of the Canada Deposit Insurance Corporation (CDIC).
Find out which deposits are covered by CDIC on our Deposit Insurance webpage.
Use CDIC's calculator to find out how much of your deposit is insured.
Why do I have to prove my tax residence and U.S. citizenship?
To comply with the requirements of the Canada's Income Tax Act, you must indicate your tax residence to us when you purchase certain products or open certain accounts by means of a tax residence declaration (CRS-FATCA self-certification completed and signed). Find out how to do so.
What are the CRS-FATCA regulations?
As a financial institution, we must collect information about your country (or countries) of residence for tax purposes and submit certain information to the Canada Revenue Agency. As of January 1, 2020, you must self-certify yourself. Find out how.
How do I open a chequing account?
New clients can open an account online. Visit the Chequing accounts and packages page to choose the package that suits you best, then click "Open an account."
You can also open an account in person. Make an appointment at a branch of your choice.
Thanks to your online bank or the National Bank mobile app for smartphones and tablets, you can now change or cancel your banking package. Find out more by reading the My online bank FAQ.
Compare our chequing accounts to find the one that best suits your needs.
As a security measure, you must contact us to regain access to your account. Call us at 1‑888‑835‑6281, 7 days a week, from 6 a.m. to midnight (ET).
How do I close my account?
You can close your account at any National Bank branch.
You can order cheques by signing in to your online bank:
You can get a free specimen cheque by either:
Connecting to your online bank:
Or signing in to your National Bank app:
Can I open an account for my child or a minor in my care?
Yes. Just visit one of our branches.
Children under 6 years of age
Children aged 7 to 12
Children aged 13 to 17
Tip
Want to start planning for your child's future? Open an RESP to save for their postsecondary education and watch your investments grow tax-free.
How can I know which conditions apply to my accounts?
For the conditions applicable to bank bccounts, lines of credit, and investment accounts, simply download the Personal Deposit and Investment Account Agreement [PDF].
Can I authorize someone else to manage my account?
Yes. You can appoint another person to act on your behalf through a power of attorney. For more information, visit our power of attorney webpage.
Where to find my bank account number?
Here are 3 ways to find your National Bank account number.
1. On a cheque
Your account number can be found at the bottom of your cheques. See the image below to guide you.
2. On your account statement
Your number can be found in the table on the left, under the account number.
3. In your online bank
Sign in to your online bank. Click on Overview in the left menu, then click on the account you are interested in. The account number consists of 7 digits and is displayed below the account name.
How do I view my bank statement?
The account statement is a document that summarizes all your financial transactions on your account during a certain period of time: day, month, year, etc.
This document is personalized and includes the contact information of the account holder(s) as well as the account number.
You can receive your statements in paper format by mail or view them online in the National Bank app or your online bank.
How do I get a debit card?
You will receive a debit card when you open a chequing account. You'll be able to set your personal Identification number (PIN) at the branch ABM. If there is no ABM at your branch, you will receive your card and PIN by mail.
What is the withdrawal limit for my debit card?
Debit card payments using your PIN
The daily limit for debit card transactions is $2,000. Contactless payments are included in the daily limit.
Interac Flash® contactless payments
The transaction limit for contactless payments is $100.
Withdrawals using your card
You can withdraw up to the maximum limit set for you by the Bank. For more information, call 1-888-835-6281 or contact your National Bank branch.
Can I change the withdrawal limit for my debit card?
Yes. You can change the limit for purchases and ABM withdrawals, up to the maximum permitted by the Bank. You can also set different limits for within Canada and abroad. You can also set different limits for within Canada and abroad. You can change these settings in your online bank. Find out more by reading the My online bank FAQ.
These changes will not affect the limits on any other transactions carried out in your bank account, such as money transfers and cheque payments.
If you have a joint account, you can only change the limit for your own debit card. Other account holders will not be affected.
When I deposit a cheque at an ABM, I can only access a portion of the funds. Why?
When you receive your card, it will have a rating based on your file. This rating determines the portion of a deposit that you can immediately withdraw. To find out your rating, contact our telephone banking service at 1‑888‑483‑5628 or your National Bank branch.
How can I increase the withdrawal limits on my debit card?
A credit check is required to increase withdrawal limits. You can request a limit increase by contacting your branch, calling us at 1-888-835-6281 or fill out the form on the Help and contact page of your online bank.
Find out more by reading the My online bank FAQ.
Can the Bank authorize a purchase that is over the $2,000 daily withdrawal limit on my card?
The $2,000 limit on purchases made with a debit card applies to most National Bank clients. For larger purchases, consider using a line of credit or Mastercard credit card (depending on the approved limit). If you have a joint account, you can also use the debit card for this account.
For purchases that exceed your daily limit, call us at 1 888 835 6281 or contact your National Bank branch to find out what other options are available to you.
I forgot my PIN. How do I get a new one?
Visit a National Bank branch with your card and two pieces of ID (including one photo ID).
Can I change my PIN without changing my card number?
Yes. You can change your PIN at a National Bank ABM by selecting “Change my PIN” from the main menu.
What is Interac Flash® technology and how does it work?
Your new debit card is equipped with Interac Flash® technology, allowing you to pay retailers with a simple tap of your card.
Wherever the Interac Flash® logo is displayed, simply hold your debit card up to the reader—no more entering your PIN!
Need more info? Find out more.
Is my debit card automatically equipped with Interac Flash® technology?
Effective March 5, 2018, all new debit cards will be equipped with Interac Flash®. If you already have a National Bank debit card, you’ll receive your new card in the mail in 2020.
Your new card will be active as soon as you receive it, and all the settings on your old card will be transferred automatically to your new one. The first time you use your card to make a payment, you'll have to insert it in the terminal and enter your PIN.
Which account includes unlimited online and mobile transactions?
The ConnectedTM and The TotalTM chequing accounts offer unlimited electronic transactions, whether through online banking, the mobile app or telephone banking, in stores, or at the ABM.
All our chequing accounts and our savings account can be accessed through your online bank and the National Bank app.
How do I sign up for my new online bank?
Your new online bank is accessible from all your devices. To sign up, follow these steps:
Tip
Make sure to choose a secure password for this profile, one that’s different from the ones you use for your other personal apps.
For more information on security, please consult the ABCs of security.
How do I install and signup for the National Bank mobile app?
Download
Find the National Bank app in the App Store or Google Play Store and tap GET (Apple) or Install (Android) to download it.
Sign up
To sign up, open the app, tap Personal, then tap I haven’t created my profile. Tap Sign up to create your profile.
Select one of your National Bank products—debit card, credit card, loan, mortgage or investment account—and follow the instructions.
Having trouble? You can also create a profile by signing in to the old version of your online bank.
Have you already signed up for the new online bank?
If you signed up for the new online bank and using the new email sign-up method, enter your email and password.
If you’re still using the old sign-in method, tap Sign in and enter your debit or credit card number and password. Please note that the new email sign-in method is being rolled out gradually.new online bank, but you’re still using the old version of the app, tap Sign in and enter your debit card number and password. If you’re using the new app, enter your sign-in email and password.
What devices can I use to do my banking?
You can use a PC or Apple Mac, Android smartphone or tablet, iPhone or iPad.
Please note that your device must use iOS 9.3 or Android 5 operating system or later.
Not sure if your browser is compatible with our National Bank online platform? Check out our browsers page.
What transactions can I carry out online or through the mobile app?
You can do most of your day-to-day banking online, including:
Visit the Banking Services page for more information about online and mobile transactions.
Will the balance on my accounts be updated automatically?
The balances shown online for your National Bank accounts, Mastercard credit cards, loans, lines of credit and investments are updated in real time. It may take up to 15 minutes to update transactions for more complex products like accounts at other institutions.
Please note that if you pay a bill from your online bank, your online account balance will automatically reflect the payment (unless the transaction is postdated).
Your Mastercard balance is also updated automatically, but not the transaction.
Can I do my banking online whenever I want? Will transactions be processed right away?
Your online bank and the National Bank app are available 24/7.
Bill payments and transfers between accounts or to another person made Monday to Friday before 9 pm (ET) will be processed the same day.
Transactions submitted after 9 pm, on weekends or holidays will be processed the next business day.
Postdated transactions will be processed early in the morning on the specified date.
How much does it cost to use Apple Pay or Google Pay?
These services are free and National Bank does not charge anything to use them. Depending on your service provider, you may be charged data usage or other fees.
How do I use Apple Pay or Google Pay?
Wallet and Apple Pay are pre-installed on all compatible Apple devices.
If you have an Android phone, simply download the Google Pay App from the Google Play store.
To make mobile payments using a credit card, you must install the latest version of the National bank mobile app. To make mobile payments using a debit card, you must have an email linked to your National Bank account.
How do I add my National Bank Mastercard® credit card or debit card to Apple Pay/Google Pay?
Apple Pay
Want to make your credit card or debit card your default card? Open the Wallet app, tap and drag the card to the top of the screen or select Default Card and choose the card you would like.
To add your card to Apple Pay for your Apple Watch:
Google Pay
The first card you add to Google Pay will be your default card. If you want to change it:
Please make sure that all your card’s digits are correctly entered. If needed, you will be able to enter them manually.
Note : Please make sure that your card is activated before adding it to your Wallet. If you have a new Flash debit card, it will not be activated until you make your first payment.
How do I make payments using Apple Pay or Google Pay?
It's easy! For transactions of $100 or less, simply press your finger on the Touch ID sensor (or unlock your Android phone) and hold your phone to the terminal. For transactions over $100, you must use your plastic debit or credit card and enter your PIN.
To pay with an Apple Watch, double-click the side button and hold the watch to the terminal.
I'm scanning my card but I'm not able to add it to Apple Pay or Google Pay. What do I do?
If you are having problems, we suggest manually entering the digits of your card.
What will happen with Apple Pay or Google Pay if my phone or debit or credit card is lost or stolen?
If your debit or credit card or phone is lost or stolen, please call us at 1-888-835 6281.
If your credit card is lost or stolen, please call 1-888-622-2783.
Remember that you are protected by National Bank's Peace of mind Guarantee1 and Mastercard's Zero Liability policy2.
How do I return items purchased with Apple Pay or Google Pay?
The merchant will issue the refund directly to your phone, so you'll need to bring the phone you used to make the purchase as well as your receipt.
For online purchases made through Apple Pay or Google Pay, contact the merchant's customer support directly.
Do I need to do anything when my debit or credit card is renewed?
When you activate your new card, the app will be updated automatically.
If your new card is a different type of card or has a different number, you will need to add it to your Apple Wallet or Google Pay.
What happens if I get a new Android phone/iPhone/Apple Watch?
Simply remove your Simply remove your credit and/or debit cards from the Wallet or Google Pay app on your old phone, then add them to your new one.
If you've already replaced your phone, an advisor can remove them for you. To remove your debit card, please call us at 1-888-835-6281. To remove your credit card, please dial 1-888-622-2783.
What if I no longer want to use Apple Pay or Google Pay?
Simply delete your cards from the app. Your physical cards won't be affected.
Apple Pay
In the app, select the card you want to remove and tap Remove Card.
Google Pay
Next to the payment method you want to delete, select Remove (in red).
Why Google Pay? What happened to Android Pay?
Google Pay is a new name and look for existing Google payment products. You’ll still be able to pay in stores and online with Google Pay, as you did with Android Pay.
Can I use Apple Pay or Google Pay to make payments outside of Canada?
You can use Google Pay or Apple Pay to make credit card purchases outside of Canada. Debit card purchases using Google Pay or Apple Pay are only authorized in Canada.
When I add my debit card, I am asked to enter a one-time verification code. What is that?
You will have to enter a one-time activation code to confirm your identity. The 5 minutes lifetime code is sent to the email address recorded in your file or the main cardholder's email address. You can ask for a new code if it expires.
Why is my debit card red when it was originally blue?
The current debit cards (blue) are being gradually replaced by cards equipped with the Interac Flash® feature (red). That is why the cards are now red in Wallet.
How do I make bill payments?
We offer several options for bill payments:
When will my supplier get my payment?
Bill payments are processed in 1 to 2 business days. Take processing times into account when paying bills to avoid any late fees from suppliers.
How do I send money to another person?
You can send money directly to another National Bank client or send an Interac e-Transfer® to someone with an account at a participating Canadian bank. You can transfer money through your online bank or the National Bank mobile app. Please note that fees may apply.
Find out more by reading the My online bank FAQ.
Can I use Interac® e-Transfers to send money to another financial institution?
Yes. With Interac® e-Transfers, you can send money to anyone who has an account at a participating financial institution in Canada via National Bank online or the National Bank app. Fees may apply.
Can I use international transfers by Mastercard® and Interac® to send money abroad?
Yes. You can send money to the United States, India, Philippines and many countries in the European Union using international transfers by Mastercard® and Interac®, available on National Bank online. Fees may apply.
How do I transfer funds with the National Bank mobile app using my phone?
Interac e-Transfer®
Transfers to other National Bank clients
How do I transfer funds with the National Bank mobile app using my tablet?
Interac e-Transfer®
Transfers to other National Bank clients
What is the maximum amount for transfers?
The limits for sending money are:
Does the person I'm sending money to need to be signed up for their bank's online services?
No, the recipient does not need to be signed up for online or mobile banking.
Can I reverse a transfer to another person?
Interac e-Transfer®
You can cancel an Interac e-Transfer® up until the recipient accepts it. If the recipient is signed up for auto-deposit, the funds will be automatically deposited and you will not be able to cancel the transaction.
If you cancel a transfer, the funds will be redeposited to your account. Note that if you (or the recipient) need to cancel an Interac e-Transfer®, you will be charged a fee of $3.50. Additionally, if any fees apply to your Interac e-Transfer® under the terms of your account, they will not be refunded.
Transfers to other National Bank clients
Money is sent to other National Bank clients in real-time. Unfortunately, National Bank cannot cancel nor correct payments once a transfer is sent. Please contact the recipient directly.
Will the recipient receive a notification about the transfer?
Interac e-Transfer®
The recipient will receive a notification by email or text when the Interac e-Transfer® has been sent.
Transfers to other National Bank clients
The recipient will receive a notification if you include a message with the transfer and you have entered the recipient's email.
What information is required to add a recipient?
Interac e-Transfer®
Transfers to other National Bank clients
Is my transfer limit the same as my ABM withdrawal limit?
No. The amount of money you can withdraw from an ABM depends on your withdrawal rating. There is a $3,000 daily limit and $14,000 weekly limit on transfers to other people.
What is cheque imaging?
This feature lets you view and download both sides of CAD and USD cheques deposited after February 1, 2011.
You can access this feature by signing in to your online bank. For more details, please consult the My online bank FAQ.
I want to send money abroad. What information do I need?
You can send a wire transfer from any branch. Simply provide the recipient’s bank account, transit and institution number, the address of the receiving branch and the SWIFT code.
Can I use my debit card to make withdrawals at an ABM when I travel abroad?
We belong to various networks that let you use your debit card when you travel.
Within Canada
Outside of Canada
Will my smart card work anywhere in the world?