Chequing accounts and packages

Making everyday banking easy

Choose a banking package that’s right for you

Our most popular package

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Monthly fees 4

The Connected®

$15.95

0-24 years old

$0

60 plus

$10.95

Reduce your monthly fees

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$0 with a balance of $4,500 or more

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Get an eligible Mastercard credit card 5 and enjoy a $5/month discount

  • Unlimited digital transactions 2

  • Interac e‑Transfer included

  • $30 cashback when you get an eligible credit card 6

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Our most complete package

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Monthly fees 4

The Total®

$28.95

0-17 years old

$18

18-24 years old

$13

60 plus

$23.95

Reduce your monthly fees

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$0 with an account balance of $6,000 or more

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Get an eligible Mastercard credit card 5 and enjoy a $10/month discount

  • Unlimited digital transactions 2 and in-person 3
  • Interac e‑Transfer included
  • Receive 100 free cheques per year 7
  • Up to $150 cashback when you get an eligible credit card 6

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No-frills package

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Monthly fees 1

The Minimalist®

$3.95

0-24 years old

$0

  • 12 digital transactions 2 (including 2 at our branches 3)
  • Interac e‑Transfer included

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Discover all the banking services designed to make your life easier.

Not what you’re looking for?

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Check out The Modest® banking package

  • Monthly fees of $10.95 4
  • 30 digital transactions 2
  • Interac e‑Transfer included

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What’s your profile

Offer for professionals

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Professionals

Choose the offer that corresponds to your field of employment so that we can offer you products and services tailored to your profession.

Offer for newcomers

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Newcomers

If you've just arrived in Canada or are planning to make this your home, we've got an offer for you.

Offer for students

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Post-secondary students

Open a bank account and enjoy many benefits depending on your field of study.

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Good to know

Help protect your account and prevent fraud with our expert advice.

Other accounts that might interest you

Business accounts

Discover our accounts for businesses and the self-employed.

See all business accounts

Savings account

Great for short-term saving—access your funds at any time.

See savings account

We’re here for you

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Get support from home

Discuss your needs and objectives with a member of our expert advisory team from the comfort of your living room.

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Chat with us

Get help in real time with our Facebook Messenger chat option

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Need more info?

Visit our Help centre to find the answers to your questions

Little details that matter

®THE MINIMALIST, THE MODEST, THE CONNECTED, THE TOTAL and NATIONAL BANK are registered trademarks of National Bank of Canada.

®MASTERCARD is a registered trademark of Mastercard International Incorporated. Authorized user: National Bank of Canada.

®Interac and Interac e-Transfer are registered trademarks of Interac Corp. Used under licence.

1. Consult the Fee Guide - Personal Banking Solutions for more details. Discounts are applied upon presentation of supporting documents. The Minimalist package is offered with no flat monthly fee for young people aged 0 to 17, for clients aged 18 to 24, for seniors aged 65 and over upon presentation of eligibility for the Guaranteed Income Supplement, and beneficiaries (aged 18 and over) of a Registered Disability Savings Plan (RDSP) upon presentation of proof of eligibility for an RDSP.

2. 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.

3. Transactions carried out at our branches during normal business hours.

4. Consult the Fee Guide ⁠- Personal Banking Solutions for more details. Discounts are applied upon presentation of supporting documents.

5. We reserve the right to end, without notice, the discount applicable to your banking package if you do not maintain the eligible products. You must also maintain your credit card account in good standing by respecting the conditions provided for in the Credit Card Agreement. This discount cannot be combined with a bank offer. In the event you close your eligible credit card account or do not maintain the eligible banking plan or your credit card account in good standing, we will charge you the full amount of the applicable monthly flat fee, excluding this discount. See the applicable monthly fees on page 2 of the Fee Guide ⁠- Personal Banking Solutions.

6. New holders of an eligible National Bank® Mastercard® credit card and a chequing account with The Connected® package will receive a $30 discount. The following credit cards are eligible: Echo® Cash Back, Syncro, Platinum, World and World Elite®. The discount only applies once after enrollment. The bank account must be opened before the credit card account to qualify for the discount offer. The amount of the discount will be applied as a credit to the credit card account statement within a maximum of 90 days after activation of the card. To qualify for the discount, the credit card account must be in good standing and the bank account must not be overdrawn. The main holder and the joint holder of an account with The Connected package may be entitled to a discount provided that they each sign up for an eligible main Mastercard card. No discount will be given to holders of an additional Mastercard card. Accounts opened with The Connected package before January 22, 2018, are not eligible for this discount. For the conditions relating to National Bank Mastercard credit cards, visit our website.

7. Shipping and taxes are not included.

8. New holders of an eligible National Bank Mastercard credit card and a chequing account with The Total® package will receive a discount of up to $150. Eligible credit cards and respective discounts are: Echo® Cashback, Syncro, Platinum, World and World Elite®. The discount only applies once after enrollment. The bank account must be opened before the credit card account to qualify for the discount offer. The amount of the discount will be applied as a credit to the credit card account statement within a maximum of 90 days after activation of the card. To qualify for the discount, the credit card account must be in good standing and the bank account must not be overdrawn. The primary cardholder and co-holder of an account with The Total package may be entitled to a discount provided they each sign up for an eligible Mastercard main card. No discount will be given to holders of an additional Mastercard card. Accounts opened with the The Total package before January 22, 2018, are not eligible for this discount. For the conditions relating to National Bank Mastercard credit cards, visit our website.

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.