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The Modest chequing account icon

The Modest Chequing Account

Everything in moderation—just the right number of electronic transactions


30 digital transactions

per month1

Interac e‑Transfers®

free of charge2

Apply online

in a few clicks

Select the rate that’s right for you

I’m between:
25 and 59 years
  • 0 and 17 years
  • 18 and 24 years
  • 25 and 59 years
  • 60 + years

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Other benefits of the package:

  • Access to cheque images
  • Free online statements
  • Special rates for online trading5
  • Access to ABMs in THE EXCHANGE® network at no additional cost

Convenient features

Des virements simples et rapides

Online fund transfers

Send and receive money with Interac e-Transfer® or make international payments with Mastercard Send by Mastercard® and Interac®

L’application Banque Nationale

Mobile or contactless payments

Pay with just a tap using Apple Pay™ or Google Pay™ on your smartphone or Interac® Debit contactless payments.

Depot cheque

Mobile cheque deposit

Take a photo of your cheques using the National Bank app on your phone or tablet to deposit your funds in a few clicks. 

How to open a chequing account online

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Send your request in just a few clicks with our online form.

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Enjoy the benefits

If your application is accepted, your account will be activated within two business days.


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Little details that matter


Transaction fees:

  • Free Interac® e-Transfers2
  • Free online fund transfers between your National Bank accounts6 
  • Free online bill payments6
  • Free debit card purchases6
  • Free online statements
  • Free access to cheque images
  • Overdraft protection, up to $5/transaction
  • Bank drafts in CAD: $9
  • Stop payments for pre-authorized cheques and debits, up to $30/transaction
  • Statements by mail: $2.50/month per account
  • Free withdrawals, bill payments and other transactions at National Bank ABMs
  • Withdrawals and transactions at another financial institution's Interac® banking machine: $2
  • Withdrawals and transactions at another financial institution's Cirrus® banking machine: $5
  • Free withdrawals and transactions at ABMs of financial institutions in THE EXCHANGE® network

For more information on fees for National Bank's products and services, consult the Fees – Your Guide to Personal Banking Solutions pamphlet. 

Legal disclaimers 

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. No fees for sending an Interac e-Transfer®.

3. The cashback on the annual fees for a Mastercard credit card can only be applied once, at enrollment.

4. Applicable conditions:

  • Discounts are applied upon presentation of supporting documents.

5. To be eligible, transactions must be made through our electronic solutions.

6. Free fund transfers can be carried out via National Bank online, the National Bank app or our Telephone Banking Solutions.

TM THE TOTAL is a trademark of National Bank of Canada.

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

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

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

TM Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

TM Google Pay is a trademark of Google LLC. The use of this trademark is subject to Google Inc.’s authorization policy.

® THE EXCHANGE is a registered trademark of Fiserv Inc. 

® CIRRUS is a registered trademark of CIRRUS SYSTEM Inc. 

Not sure this account's right for you? Explore our other chequing accounts.

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Branch transactions

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Ready to open a chequing account?

Open an account online today.


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