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Banking offer for physicians

An exclusive offer for healthcare professionals tailored to your needs

Make an appointment

Personalized advice

by your dedicated advisor

Wealth management

to help you realize your life goals

Advantageous rates

on your banking services

Adapted solutions

for businesses and incorporated healthcare professionals

A dedicated advisor for your needs

Your mission is to care for others, ours is to guide you at every stage of your personal and professional life. 

Because each situation is unique, we have adapted our services around your life projects and your unique professional reality.

Your dedicated advisor is your main point of contact. They take your values into consideration, note down your questions and mobilize appropriate experts to help you bring your projects to life.

 

Illustration of the multidisciplinary team and the dedicated advisor as the focal point of the relationship with the physician.

Organize and grow your assets

Happy couple bringing a dish to the table for their two children.

Define your strategy

Our support begins with a personalized wealth management strategy. 

Your advisor is available to clarify your objectives in areas as varied as your investments, retirement, and estate planning. With their professional and objective advice at your disposal, they will help you establish concrete and sustainable solutions so that you can carry out your projects with complete peace of mind.

Optimize your investments 

Discover our customized investment solutions, whether you want to manage your investments independently, with the help of your advisor, or take advantage of private banking services.

Prepare for your retirement 

To bring your retirement plans to life, your personal contributions will make all the difference. Optimize your wealth and build your savings plan today. 

Plan your estate

Your dedicated advisor will guide you in protecting and transferring your assets. Plan your inheritance, save your loved ones from having to make difficult decisions, and make sure they’re financially secure for the future. 

Benefit from exclusive personal banking services

Our physicians-only offer includes essential banking services you need every day. Take advantage of the many benefits and special rates1 for healthcare professionals. 

 

chequing account


Bank accounts

$0

fixed monthly fee1

Transactions2
Unlimited

Branch transactions3
Unlimited

3 bank accounts
In Canadian or U.S. dollars

First order of 100 cheques
Free

Unlimited use of Interac® & Cirrus® ABM networks in Canada
No fees

Overdraft protection
Included


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Annual fee

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Interest rate on purchases

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Interest rate on balance transfers and cash advances4, 5

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Dedicated boutique to easily redeem your Rewards points6

Up to $250 in travel expenses reimbursed per year7

Access to the National Bank VIP Lounge® at Montreal-Trudeau Airport8

Save on your loans

Save big with our lines of credit and mortgages at very advantageous rates.

 

Personal Flex
Line®, 9

A line of credit accessible at any time to implement a project without reapplying for a loan.

Interest rates

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Management fees10

None

Financing 

$5,000 and +

National Bank All-In-OneTM
line of credit11

A mortgage line of credit that gives you access to the principal already repaid to carry out new projects. 

Interest rates

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Management fees per account 10

$7/month

Down payment on property value 

Minimum of 35%

Multi-residential
real estate

A financing option for the purchase or construction of residential and semi-commercial rental buildings. 

Interest rates

Advantageous

Rate guarantee

Up to 18 months 

Number of units
 

5 and +

   

pro advice

Did you know? 

Risk management for physicians has several components. National Bank Planning and Employee Benefits stands out for its multidisciplinary business model and offers a portfolio of complementary solutions to address your financial security concerns. Speak to your advisor. 

Your exclusive services

 

Access to a virtual clinic

We actively support your health and well-being. That’s why we’re offering you access to Dialogue, a virtual healthcare service platform available anywhere in Canada, anytime.

Discover our partner’s telehealth services

 

Benefit from legal assistance

In partnership with FBA Solutions, access lawyers by phone and get legal information in many areas.

Discover legal assistance

 

Take precautions against identity theft and fraud with SECURIZONE®

Benefit from preferential pricing with a 50% discount on SECURIZONE® products18. Take advantage of tools and products to improve your security and get assistance in the event of identity theft and fraud.

Discover the SECURIZONE

Doctor in a hospital

How to benefit from this offer?

  

step 1

Fill out the online form 

Fill out our appointment scheduling form to allow us to properly identify your needs. 

  

step 2

Schedule a meeting 

An expert will contact you to schedule a meeting at your convenience. 

Effectively manage your business or incorporation

  

Woman and her baby going to the doctor.

National Bank Business Central®

Do you have a business or are you thinking about incorporating your medical practice? We understand your reality. Your dedicated advisor and our team of business specialists will guide you every step of the way.

Take advantage of financing options at advantageous rates, legal advice for incorporation, or accounting assistance through our partners. Benefit from a better work-life balance by providing parental leave through our term loans.

Promo: Incorporate your medical practice with Lex Start and receive a $1000 refund when you open a National Bank business account.

Discover our services

Little details that matter

Legal disclaimers

1. For more details, consult the Fee Guide.

2. 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.

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

4. Subject to credit approval by National Bank. Certain conditions apply. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Examples of credit charges

Example of credit charges over a 30-day period:

Annual interest rate

Average balance

 

$500

$3,000

22.99%

$9.45

$56.69

20.99%

$8.63

$51.76

14.5%

$5.96

$35.75

8.9%

$3.66

$21.95

*Variable interest rate in effect on July 1, 2020

5. Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

6. Some restrictions apply. To redeem your points, you must first pay for your trip in full using an eligible credit card. The travel credit will take effect approximately 72 hours after you redeem your points. For more information, see the applicable rules for the accumulation of points specified in the Rewards plan section.

7. Only the primary cardholder (Cardholder) of National Bank World Elite Mastercard whose account is in good standing can request a travel reimbursement. An account in good standing refers to an account linked to a credit card which complies with the Agreement governing the use of the credit card and which is not subject to any restrictions. For example, the annual fees related to the credit card must have been paid in full. The maximum amount that can be submitted for reimbursement between January 1 and December 31 of each year is $250. Eligible expenses include: airport parking fees (maximum $100), baggage fees (maximum $100) and seat selection fees (maximum $50). The claim must be submitted within 60 days of the purchase date and accompanied by proof of purchase. The travel fees must be charged to the National Bank World Elite Mastercard credit card. The maximum reimbursement amount is $250 per account. The refund will be issued within 7 business days following the request approval date and after receiving all required information. An amount not claimed in a year cannot be carried over to the following year. For more information or to obtain the refund form, sign in to rewards.nbc.ca, click the Smart Traveller Fees tab and complete the form, you can also call 1‑888‑296‑8881 (toll-free) in Canada and the United States, or +1‑416‑734‑3922 (collect) from anywhere in the world.

8. Exclusively available to holders of the World Elite Mastercard. Visitors must present their credit card and boarding pass to access the National Bank VIP Lounge. Further to a decision by Aéroports de Montréal, the National Bank VIP Lounge will only be available to clients flying to destinations outside the U.S. and Canada, effective April 3, 2019. Guests cannot spend more than three (3) hours in the Lounge. For National Bank clients who do not have free Lounge access and for additional guests, admission is around $40 for adults and $25 for children, plus tax. Admission is free for children under three years old. The entry price may change at any time without notice and at the discretion of the Lounge operator.

9. Subject to credit approval by National Bank. Upon receipt of each statement, the borrower must pay a minimum installment to the Bank that corresponds to the sum of the interest and insurance premiums charged to the account for the period covered by the statement, and any other amount required to ensure the account's debit balance does not exceed the credit limit. This minimum installment must be made without using the line of credit.

10. This offer must be renewed annually upon presenting identification and proof of your professional status.

Monthly account statement. No management fees. The Personal Flex Line rate is established by the prime rate, plus a spread established by the client’s credit history. As a guideline, the applicable rate for a typical Personal Flex Line is comprised of the prime rate + 2.75%. Once an amount is borrowed from the line of credit, it accrues interest. The minimum monthly payment is limited to the monthly interest and life insurance premiums (as applicable). Examples of credit fees calculated over a 30-day period at the applicable rate as at March 31, 2020.

    Average balance  
$500 3,000$
Typical Personal Flex Line
$2.14 $12.82
Prime rate (2.45%)
$1.01 $6.04

The typical Personal Flex Line is a faithful representation of all Personal Flex Lines of credit offered by National Bank. Note that the prime rate can change. For more information on the current rate, please visit nbc.ca/primerate.

11. This offer must be renewed annually upon presenting identification and proof of your professional status.

Subject to credit approval by National Bank. Certain conditions apply. Interest rate on the All-In-One (line of credit portion) as at October 25, 2018: 2.45% + 1%.

This rate is variable and corresponds to Prime + 1% and is one of the lowest rates on the market. "Prime" means the annual variable interest rate posted by National Bank from time to time, used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada. Consult the prime rate webpage to find out the day's rate.

® Interac and Interac e-Transfer are registered trademarks of Interac Inc. Used under licence

® Mastercard, World Elite and CIRRUS are registered trademarks of Mastercard International Incorporated. National Bank of Canada is an authorized user.

® National Bank, the National Bank logo, National Bank Business Central, and the National Bank VIP Lounge are registered trademarks of National Bank of Canada.

TM Personal Flex Line, All-In-One, and National Bank All-In-One are registered trademarks of National Bank of Canada.

Ready to apply?

Apply online and an advisor will contact you shortly to set up an appointment.

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