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${p1.nomProduit} Chequing Account

Totally unlimited transactions and a range of value-added services


Unlimited access

on all digital1 and counter transactions7

Interac e‑Transfers®

unlimited and free2

Up to $150 off

after enrolment of an eligible credit card3

Apply online

in a few clicks

Open an eligible chequing account and carry out the selected transactions to earn a $300 cashback

See conditions 🡫

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:

  • Free use of the CIRRUS® and Interac® network
  • Access to cheque images
  • Free stop payments for pre-authorized cheques and debits
  • Free online statements
  • Free account statements by mail
  • Integrated Line of Credit of up to $5,0008
  • Legal and estate assistance included
  • Free safety deposit box rental for the first year, then benefit from a $10/year discount for subsequent years
  • Overdraft protection
  • Special rates for online trading5
  • 100 free cheques per year9
  • 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 your smartphone using Apple Pay™ or Google Pay™ or use Interac Flash® to make 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. 

Legal and estate assistance included

With The Total package, get unlimited access to a lawyer by phone or video conference, in partnership with FBA Solutions. Get answers to your private or professional questions in many areas of the law: family, property, immigration, labour and much more.

As a bonus, take advantage of our estate settlement service, which includes assistance in writing your will and mandate for protection in case of incapacity, in the presence of witnesses on an online platform. Notary services will also be offered at a competitive rate.

Discover legal and estate assistance

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

Details and conditions of the promotion

The promotional offer is valid from August 16 to November 15, 2021 (the "promotional period").

This offer is intended for anyone who does not have a National Bank chequing account.

The offer may be modified, extended or withdrawn without prior notice at any time. You must have reached the age of majority when you open your chequing account. Employees of National Bank and its subsidiaries and entities are not eligible.

The offer may not be combined or used with any other offer, promotion or benefit applicable to National Bank chequing accounts and banking packages and cannot be applied retroactively. There is a limit of one cashback per eligible product during this promotion. Clients cannot benefit from the offer more than once. Only the primary account holder is eligible for the offer. Joint account holders who open a new account are not eligible for this offer.

Eligible products

To be eligible for the offer, you must open a new chequing account linked to one of the eligible banking packages or offers described below and meet the conditions of the offer.

      Eligible products

Cashback offer

  • Offers for Professionals
  • Offers for Students
  • Offer for Newcomers
  • The Connected® banking package
  • The Total® banking package



Conditions of the $300 cashback offer:

To obtain a $300 cashback, you must open a chequing account with an eligible banking package or offer during the promotional period, then meet 2 of the following 3 conditions:

  • Carry out one bill payment of $50 or more via National Bank online.
  • Set up a recurring automated direct deposit (salary or monthly pension).
  • Set up a recurring pre-authorized payment on your National Bank mortgage from a National Bank account.

After the chequing account is opened, you have 60 days to meet all cashback offer conditions.

Timeframe for obtaining the cashback

If you meet the offer conditions, the cashback will be deposited into your new National Bank chequing account within 120 days of the account being opened.


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 from the time you open the chequing account. If you do not meet this condition, you will have to refund National 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 benefitted from a cashback offer on a chequing account November 1, 2018 are not eligible for this offer.

® THE CONNECTED and THE TOTAL are registered trademarks of National Bank of Canada.


Transaction fees:

  • Free Interac® e-Transfers2
  • Free online fund transfers between your National Bank accounts6 
  • Free online bill payments6
  • Free debit card purchases6
  • Free stop payments for pre-authorized cheques and debits
  • Free online statements 
  • Free safety deposit box rental for the first year, then benefit from a $10/year discount for subsequent years
  • Free access to cheque images
  • Free foreign currency bank drafts
  • Free bank drafts in CAD
  • Free account statements by mail
  • Free withdrawals, bill payments and other transactions at National Bank ABMs
  • Free withdrawals and transactions at another financial institution's Interac® banking machine
  • Free withdrawals and transactions at another financial institution's Cirrus® banking machine
  • 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. 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 ($ 30), Syncro ($ 35), Platinum ($ 89), World ($ 115) and World Elite® ($ 150). 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 to an eligible Mastercard primary card. No discount will be given to holders of an additional Mastercard card. Accounts opened with the Le Total package before January 22, 2018 are not eligible for this discount. For the conditions relating to National Bank Mastercard credit cards, see https://www.nbc.ca/personal/mastercard-credit-cards.html#all_cards

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.

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

8. 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.

9. Shipping fees and taxes not included.

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, Interac e-Transfer and Interac Flash 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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