The Total Chequing Account

The Total^TM account at a glance

Show me the fees for

regular clients (age 18-59)

regular clients (age 18-59)
young people (age 0-17)
seniors (age 60+)
students (age 18-24)

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Flat monthly fee⁷

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Transactions¹

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branch transactions²

Perfect if you're looking to:

Complete a lot of transactions
Benefit from a built-in line of credit
Take advantage of a range of banking products and services
Maintain a minimum monthly balance of $6,000 in your chequing account

Open a chequing account in three easy steps

Click "Open an account"

You'll be taken to the application form for your chosen chequing package. Don’t forget to select your fees.

Complete the form

The application takes less than 5 minutes, and it's completely online. Have in hand your sign-in access to another financial institution.

Start banking

In 2 business days your account will be activated, and you can start enjoying the benefits.

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What you get

Transactions¹

Online, mobile and telephone banking

Transfers between accounts⁴
Transfers to another National Bank client⁴
Interac e-Transfers^®
Sending an Interac e-Transfer
Withdrawal for one bill payment⁴
Cheque and pre-authorized debit
Account inquiries: balance, transaction history, etc.

In stores and at the ABM

Purchase with your debit card⁵
Withdrawal, transfer and withdrawal for one bill payment⁵
List of transactions⁵

Branch transactions

At National Bank branches

Withdrawal
Transfer
Withdrawal for bill payments

Other services and features

Complementary banking services

Integrated Line of Credit³
100 personalized cheques per year (taxes and shipping not included)
Free overdraft protection
Use of the Interac^® network (ABM)
Use of the CIRRUS^® network (ABM)
Foreign currency bank draft⁶
CAD bank drafts included
Free statement of account
Statement of Account
. Free Online statement
. Statement by mail:
$2.50/month/account
Cashback of up to $150.00 on the annual fees for a National Bank Mastercard credit card, at enrolment⁸
$5 discount on annual safety deposit box rental⁹

Little details that matter

Offer conditions

The promotional offer is valid from August 3, 2020 to November 30, 2020 (“promotional period”).

The offer is intended for all persons without any chequing account at National Bank.

The offer may be modified, extended, or withdrawn without prior notice at any time. You must have reached the age of majority at the time of your enrollment in the covered products. Employees of National Bank and its subsidiaries and entities are not eligible.

The offer may not be combined or used with any other National Bank offer, promotion or benefit and cannot be applied retroactively. There is a limit of one cashback per eligible product during this promotion. The client cannot benefit of the offer more than once. Only the primary account holder is eligible for the offer. The actual secondary account holders that open a new account are not eligible to the offer. The cashback amount varies according to the conditions fulfilled.

Cashback details

To be eligible to the offer you must open a new chequing account with an eligible package described below or sign up to an Offer for Professionals or an Offer for Students and fulfill the conditions.

Eligible products	1st Cashback after opening an eligible chequing account	Additional cashback with a recurring and automatic direct deposit to the account	Maximum and total Cashback
Offers for Professionals & Offer for Students	$50	+$50	$100
The Connected^TM	$100	+$200	$300
The Total^TM	$150	+$200	$350

1st Cashback conditions.

After opening your new chequing account and choose an eligible product you must:

Sign up to online banking and to online bank statement
Carry out at least one transaction in your chequing account (Interest and banking fees charged to the account are not considered eligible transactions.)

Conditions to obtain the additional cashback.

You must:

Set up one (1) recurring and automatic direct deposit of your payroll or monthly recurring pension

You benefit of 60 days following the chequing account opening to meet the offer conditions and obtain the cashback.

Cashbacks will be done in one (1) deposit in your new National Bank chequing account within 120 days of the opening date of your chequing account.

Commitment

To be granted the cashback, you must maintain the eligible products and services, and not make any changes related to these products and services for a minimum of 12 months after signing up for them. If you do not meet this condition, you will have to repay to the Bank an amount corresponding to the period in which you did not keep your eligible products and services, within 30 days of receiving the request for payment.

Clients who have benefit from a cashback offer on their chequing account since November 1st 2017 are not eligible to this offer.

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 per account is charged.

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. Please consult our Fee Guide for more details.

2. Transaction completed in National Bank branches during normal business hours.

3. Subject to credit approval by National Bank of Canada. Credit charges are not waived with this package. For more information on the Integrated Line of Credit, click here.

4. Services offered through our online banking services (including our call centre). These services provide access to accounts using a debit card number issued by the bank and a password chosen by the client, and allow clients to carry out various banking transactions including account, line of credit and credit card balance inquiries, transaction history requests (deposits and withdrawals), wire transfers, fund transfers to other National Bank account holders, requests to access documents, cheque images and bills, bill payments and cheque orders. Some features are not available through Mobile Banking Solutions. Certain browser versions are required to access National Bank online. For more information, visit the Browsers section for access to National Bank online and read the ABCs of Security.

5. Banking services providing account access by means of a debit card issued by National Bank and used at a National Bank automated banking machine or an automated banking machine in an affiliate network or point-of-service terminals or with other devices and technology made available to National Bank clients. These services allow clients to carry out a range of banking transactions including withdrawals, deposits, account, line of credit and credit card balance inquiries, transaction history requests (deposits and withdrawals), fund transfers and bill payments. Additional fees are charged for using the Interac^® and CIRRUS^® networks. No additional fees are charged for using THE EXCHANGE^® ABM network.

6. For USD bank drafts, applicable fees are in USD.

7. Applicable conditions:

For all packages: discounts are applied upon presentation of supporting documents.
For The Modest, The Connected and The Total: The student discount applies to full-time students between the ages of 18 and 24 opening an account with a single holder in their own name. To be eligible, the client must present an identity document confirming their age and proof of full-time student status (proof of enrolment, class schedule, transcript, etc.). Effective April 16, 2018, students must confirm their age and provide proof of student status when enrolling for the student discount. This proof will remain valid for the duration of the program of study or a maximum of three years. After this period, the student must again provide proof of student status to maintain the discount.
For The Minimalist: Fee waived for clients age 17 and under upon presentation of an identity document confirming their age. Fee waived for full-time students between the ages of 18 and 24. Effective April 16, 2018, students must present an identity document confirming their age and proof of full-time student status (proof of enrolment, class schedule, transcript, etc.) to qualify for a free banking package. This proof will remain valid for the duration of the program of study or a maximum of three years. After this period, the student must again provide proof of student status to keep the no-fee package. Fee waived for clients age 65 or over upon presentation of their eligibility for the Guaranteed Income Supplement. Fee waived for beneficiaries of a Registered Disability Savings Plan age 18 or over upon presentation of proof of eligibility.

8. The cashback on the annual fees for a National Bank Mastercard credit card can only be applied one time, at enrolment.

9. Minimum 12-month rental in Canada. Certain conditions apply.

10. No fees for sending an Interac e-Transfer^®. Fees apply to the Interac e-Transfer^® itself if you exceed the number of transactions included in your package or if you do not have a package.

TM THE MINIMALIST, THE MODEST, THE CONNECTED and THE TOTAL are trademarks of National Bank of Canada.

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

^® MASTERCARD and CIRRUS are registered trademarks of Mastercard International Inc. Authorized user: National Bank.

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

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Ready to open a chequing account?

Open an account online today.

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1-888-835-6281

Frequently Asked Questions

Member of Canada Deposit Insurance Corporation (CDIC)

The Total Chequing Account

The TotalTM account at a glance

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Open a chequing account in three easy steps

Click "Open an account"

Complete the form

Start banking

What you get

Transactions1

Branch transactions

Other services and features

Little details that matter

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

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Ready to open a chequing account?

1-888-835-6281

Frequently Asked Questions

The Total^TM account at a glance

Transactions¹

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