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The Total Chequing Account

Totally unlimited transactions and a range of value-added services.

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

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Promotion

Get up to $400 cashback*

Get $175 when you open your chequing account

Add $175 when you add the direct deposit option

Add $50 when you deposit in a High Interest Savings Account

Get up to $400 cashback*

Get $175 when you open your chequing account
Add $175 when you add the direct deposit option
Add $50 when you deposit in a High Interest Savings Account

See offer details

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.

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.
Online Statement

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)
Overdraft protection $5/transfer (max. $5/day)
Use of the Interac^® network (ABM)
Use of the CIRRUS^® network (ABM)
Bank drafts in foreign currency⁶
Bank drafts in CAD
Statement by mail: $2.50/month/account
Access to cheque images
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

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.

^® 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.

*The promotional offer is valid from August 15, 2018 to October 31, 2018.

The offer is intended for all Personal Banking clients who do not have a National Bank Chequing or Savings account and for all individuals who do not have any account at National Bank.

To qualify, you must open a checking account at one of our branches and sign up for an eligible product during the promotional period. To be eligible, the client must have attained the age of majority as at October 31, 2018.

The offer may be modified, extended, or withdrawn without prior notice at any time. 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 offer can only be applied once for each type of product. Only the primary account holder is eligible for the offer. An additional cardholder on a joint account who opens a new account will not be eligible for this offer. The cashback amount varies according to the number of products held.

Cashback details

Chequing account offer

To be eligible for the Chequing account offer and get up to $350 cashback, you must open a new Chequing account linked to an eligible banking package (The Modest®, The Connected® or The Total®) or one of the eligible Offers for professionals or Offers for students and meet the promotional offer conditions.

	Cashback when eligible Chequing account opened	Additional cashback with salary deposits or other recurring direct deposits to the account	Maximum total cashback
Offers for professionals or Offers for students	$50	+$50	$100
The Modest®	$50	+$50	$100
The Connected®	$125	+$125	$250
The Total®	$175	+$175	$350

First cashback conditions

You must:

- Sign up for online banking and eStatements

- Carry out an eligible transaction. Interest charges and banking fees are not considered transactions.

Double cashback conditions

You must:

- Set up one (1) recurring direct deposit (salary or monthly pension)

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

Savings Account offer

To be eligible for the Savings account offer and get up to $50 cashback, you must open a High Interest Savings Account and meet the offer conditions.

- You must deposit at least $5,000 and have a balance of at least $5,000 in the account 60 days after the High Interest Savings Account is opened.

- You must have a Chequing account at National Bank.

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

The cashback will be deposited to your National Bank Chequing account within 120 days of the products being opened.

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 from the time you sign up for them. If you do not meet this condition, you will have to refund 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 benefitted from a cashback offer on a Chequing or Savings account since November 1, 2017 are not eligible for this offer.

If you do not receive your cashback for the Chequing or Savings account offer, please notify us by June 30, 2019. Any notice received after that date will not be accepted and you will be deemed not to have qualified for this promotion.

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