Joint account: pros and cons
PROMOTION UNTIL OCTOBER 31, 2022
Bank accounts
Open your first eligible bank account and get $300 cashback
Valid on selected offers and packages. Some transactions are required.*
What is your current situation?
Select the option that best describes your needs.
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Newcomer
Just arriving or planning to settle in Canada.
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Student
Focusing on your studies with a limited budget.
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18-24 years
Looking for services that fit your lifestyle.
Our banking offers for professionals
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Professionals
Law and business management, administration, engineering, teaching: find an offer adapted to your reality.
See professional offers
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Little details that matter
Promotion period
From July 1, 2022, to October 31, 2022
Cashback offered
$300 cashback for your first National Bank chequing account.
Offer conditions
The new account must be opened during the promotion period. Only one account is eligible.
You must sign up for one of the following banking offers or packages:
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Offer for professionals
-
Offer for students
-
Offer for newcomers
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The Connected® banking package
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The Total® banking package
Within 60 days of opening your new account, you must perform the following two actions:
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Carry out one bill payment of $50 or more from your online bank or National Bank app.
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Set up a recurring automated direct deposit (salary or monthly pension).
Cashback payment
The $300 cashback will be deposited within 120 days of the account being opened.
Other conditions:
You must have reached the age of majority when you open your chequing account.
You cannot have benefitted from a cashback offer on a chequing account since November 1, 2018.
The promotion may not be combined with any other offer, promotion or benefit applicable to National Bank chequing accounts and banking packages and cannot be applied retroactively.
You are not employed by National Bank or one of its subsidiaries.
The promotion may be modified or withdrawn without prior notice.
® NATIONAL BANK, the NATIONAL BANK logo, THE CONNECTED and THE TOTAL are registered trademarks of National Bank of Canada.
® Apple Pay is a registered trademark of Apple.
1. Transactions carried out at our ABMs, a participating merchant, through our online banking services (including our call centre) or those related to certain operations in your account.
2. Transactions carried out at our branches during normal business hours.
Guide to transferring your account to National Bank
Have you just opened an account with us and you must transfer all your preauthorized transactions? Here is a guide to help you keep track of everything.
Passbooks
The passbook option has not been available to new clients since May 4, 2015. If you are an existing client who uses a passbook with your account, a $2.50 monthly fee is charged.
Fees
For the fees associated with our products and services, consult the Fee Guide [PDF].
Deposit Account Agreement and Personal bank holding account agreement
For more information on the terms and conditions governing your new account, consult the Deposit Account Agreement [PDF] and the Personal bank holding account agreement [PDF]
Basic banking services
For the terms and conditions governing whether a person may open an account or cash cheques and other items from the federal government, consult our guide to Basic Banking Services [PDF].
Access to funds policy
For details of our cheque hold policy, see the Access to Funds Policy [PDF].
Coercive tied selling
To understand what coercive tied selling is and what is not allowed, consult our pamphlet What you need to know about What you need to know about prohibited conduct [PDF].
Canada Deposit Insurance Corporation
Please refer to our page about Canada Deposit Insurance Corporation (CDIC)
FCAC account selector tool
Discover the Financial Consumer Agency of Canada (FCAC)’s account selector tool to compare bank accounts.
