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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

Offer only available to those of legal age.

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:

  • Unlimited ABM use with Interac® and Cirrus®networks
    No charge
  • 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
    Offer only available to those of legal age.
  • Legal and estate assistance included
    Offer only available for those 16 years and older.
  • 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 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. 

Legal and estate assistance included

With The Total package, get unlimited access to a lawyer by phone or video conference, if you’re 16 years or older, 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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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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Little details that matter

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, 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 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.

® 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. 


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 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.