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Opening an Account

Discover your National Bank benefits



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Our simple and fast financial solutions.

Our most popular accounts


The Connected©

A chequing account at minimum cost, maximum autonomy.

Browse our discounts

  • regular clients (age 18-59)
  • young people (age 0-17)
  • students (age 18-24)
  • seniors (age 60+)






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Icône compte Chèques Le Modeste

The Modest©

A checking account for your needs, not your possibilities.

Browse our discounts

  • regular clients (age 18-59)
  • young people (age 0-17)
  • students (age 18-24)
  • seniors (age 60+)


No flat monthly fee with a minimum balance of $3,000




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High Interest Savings Account

Quick access to your savings.


Current interest rate8

Variable annual rate See current rates


Minimum balance required to generate interest




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Do you want to make your choice among all our accounts?

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Need to meet an advisor?

Our branches offer: less waiting at the counter, more autonomy in self-service and more technological features. 

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The National Bank Experience


Catégorisation des dépenses

Categorize your transactions

See where your money is going. Your purchases are grouped by type (food and beverages, transportation, travel, etc.). Convenient to balance your budget.


See tips for your budget
mobile application

National Bank mobile app

Install the app to access a range of practical functions. Be sure to enable automatic updates to benefit from the latest features and improvements!

Check out the mobile app
Vue d'ensemble des comptes

Overview of your accounts

Get an overview of all your accounts in National Bank online. Even those held at other banks in Canada and the United States.


See in National Bank online
paiement flash interac

Contactless payments with Interac Flash®

When your debit card is equipped with Interac Flash® technology, you can make payments at your favourite stores without entering your PIN. 

See Contactless payments
cheque deposit

Mobile cheque deposit

Need to deposit a cheque? With this new feature you can take a picture of the cheque and deposit it online—without having to leave your home.

Learn more about mobile cheque deposit
mobile payment

Mobile payments

Now you can make payments using your smartphone. Just install Apple Pay™ or Google Pay™ and add your National Bank debit and credit card.

Learn more about mobile payments



Little details that matter


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 is charged.

Legal disclaimers

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

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. If you do not have one of  the packages (The Connected, The Total, The Modest, The Minimalist, or the offer for professionals or students) or if you exceed the number of transactions included in your package, a fee of $1 may apply when you send money via Interac e-Transfer. The transfer must be sent to a bank account held at a participating Canadian financial institution. Refer to the Guide to Personal Banking Solutions for more information.

5. 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.

6. Minimum 12-month rental in Canada. Certain conditions apply.

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 is for full-time students, aged 18 to 24 inclusively, attending a post-secondary institution, upon presentation of identity documents (proof of age), proof of full-time student status (proof of registration, course schedule or transcripts). Only for individual account holders. The package is validated annually by presenting the above documents.
  • For The Minimalist package: No fees for Young people aged 0 to 17 upon presentation of identity documents (proof of age); no fees for Student aged 18 to 24 upon presentation of identity documents (proof of age) and proof of full-time student status (proof of registration, course schedule or transcripts); no fees for Seniors aged 65 and over upon presentation of eligibility for the Guaranteed Income Supplement; no fees for beneficiaries (aged 18 and over) of a Registered Disability Savings Plan (RDSP) upon presentation of proof of eligibility for an RDSP. To continue benefiting from no-fee banking, students must renew their package annually by presenting the above documents.

8.  Interest is calculated at the end of each day on the total daily balance. Interest is paid monthly. Variable annual rate subject to change without notice.


For the fees associated with our products and services, consult the Fee Guide [PDF].

Contract governing personal deposit and investment accounts

For more information on the terms and conditions governing your new account, consult the Contract governing personal deposit and investment accounts document [PDF].

Basic banking services

For the terms and conditions governing whether a person may open an account or cash cheques and other items from the federal government, consult our guide to Basic Banking Services [PDF].

Access to funds policy

For details of our cheque hold policy, see the Access to Funds Policy [PDF].

Coercive tied selling

To understand what coercive tied selling is and what is not allowed, consult our pamphlet What you need to know about coercive tied selling [PDF].

Canada Deposit Insurance Corporation

Please refer to our page about Canada Deposit Insurance Corporation (CDIC)

FCAC account selector tool

Discover the Financial Consumer Agency of Canada (FCAC)’s account selector tool to compare bank accounts.

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Open a new account with National Bank online.

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