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${p1.nomProduit} Chequing Account

Everything in moderation—just the right number of electronic transactions

Open an account

Discover the benefits of The Modest®chequing account

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Interac e‑Transfer® included

Send and receive money

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30 digital transactions 1
per month

0 in-person transactions 2

Even more benefits

  • Apply online in just a few clicks  
  • Access to mobile cheque deposit
  • Free online statements
  • Access to THE EXCHANGE® network of ABMs at no additional cost

How do I open a chequing account online?

It's quick and easy. If you’re 14 years or older, you can fill out our online application in just a few clicks.

Select the plan that suits you

0-17 years old

Monthly fees 3

$0/month

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18-24 years old

Monthly fees 3

$0/month

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25-59 years old

Monthly fees 3

$10.95/month

Reduce your monthly fees 3

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 $0 with a balance of $3,000 or more

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60 plus

Monthly fees 3

$5.95/month

Reduce your monthly fees 3

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 $0 with a balance of $3,000 or more

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Discover our other chequing accounts

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The Connected®

  • Unlimited digital transactions 2

  • Unlimited use of Interac e-Transfer®, free of charge

  • Get an eligible Platinum®, World or World Elite®, 5 Mastercard® credit card and enjoy a $5/month discount on your fixed monthly fees

View The Connected
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The Total®

  • Unlimited digital 1 and in-person 2 transactions

  • Unlimited use of Interac e-Transfer®, free of charge

  • Receive 100 free cheques per year 6 

  • Get an eligible Platinum®, World or World Elite®, 5 Mastercard® credit card and enjoy a $10/month discount on your fixed monthly fees

View The Total

Enjoy digital banking features that make your everyday life easier    

When you open a chequing account, you have access to many digital banking services:

  • Interac ® e-Transfer Autodeposit
  • Credit card alerts
  • Mobile cheque deposit
  • International money transfers
  • Direct deposit of government payments
Learn more

We’re here for you

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Want to open a chequing account with The Modest® banking package?

Open an account online today.

Open an account
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Need personalized advice?

Make an appointment or call us to answer any of your questions

Toll-free: 1-888-835-6281

Make an appointment
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Find all the answers to your questions in our Help Centre
 

Find answers

Little details that matter

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

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

  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. 

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

  4. The fee is adjusted to your billing up to a maximum of $0. 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 another banking 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 flat monthly fee, excluding this discount. See the applicable monthly fees on page 2 of the Fee Guide ⁠- Personal Banking Solutions. 

  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 flat monthly fee, excluding this discount. See the applicable monthly fees on page 2 of the Fee Guide ⁠- Personal Banking Solutions.

  6. Shipping and taxes are not included. 

Here’s how to open a joint account:

1. Make an appointment

Schedule an appointment online, either in person at any branch or by video call. Specify the type of account you’d like to open in the Additional Details section. Add the name(s) of anyone accompanying you in the Additional Attendees section.

2. Prepare your documents

Ensure everyone at your appointment has the appropriate identification documents indicated in the appointment confirmation.

3. Choose your account

Chequing account

Receive your income directly into this account and carry out your daily transactions: purchases, withdrawals, deposits, bill payments, transfers between accounts, sending money, and more. This account provides each co-owner with a debit card.

Savings account

Use your savings account to put money aside for a specific goal, like an upcoming vacation, or to ensure you have an emergency fund in case the unexpected happens, for example you lose your job. With this type of account, you'll earn interest on your savings and have easy access to your money.

Rights and obligations

During your appointment with your advisor, you can discuss the main rights and obligations of each joint account holder.

If you’d like to find out more, read our article on the pros and cons of a joint account.