The Total Chequing Account

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.

^® INTERAC and INTERAC e-TRANSFER are registered trademarks of Interac Inc. Used under licence.

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