Offer for those aged 18‑24

A bank account without fixed monthly fees1 adapted to your lifestyle

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Secure form


fixed monthly fees1


digital transactions3


unlimited Interac e‑Transfers®2

Open an eligible chequing account and carry out the selected transactions to earn a $300 cashback

See conditions 🡫

It's easy to benefit from your account The Connected®

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  • Coffee or pizza to go? Use your debit card or smart phone for contactless payments.
  • Vacations, groceries, school fees? See your transactions or balance in real time from your online bank or National Bank app.
  • Owe your friend $20? Make secure transactions and transfers with the click of a button.
  • Got a cheque for your birthday? Take a photo and deposit it directly into your account.

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It only takes 5 minutes

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Zero dollars, zero fees, zero stress: 

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Studying medicine, engineering, law, accounting, or business and administration? Discover our offers for students that can assist you through your college or post-secondary education.

Becoming a client means supporting…

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A Bank that helps build a sustainable future

See our actions

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A Bank that invests in young people

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A Bank that offers a variety of practical videos that help you manage your finances

Discover our YouTube channel

Most asked questions

Are there fees for opening an account?

Good news: opening an account is free of charge. This means that there is nothing for you to pay when you open an account.

Are there fees for receiving my debit card?

More good news! Your debit card comes free of charge. One will be sent to you automatically once you’ve opened an account.

What happens once I turn 25?

You can:

  1. Keep your banking package The Connected®. You’ll have to begin paying the associated monthly fee of $15.95/month, unless you have the minimum balance of $4,500 (in which case you pay $0).


  2. Choose another package by signing in to your online bank. It’s fast and easy.
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Do you have other questions?

Make a remote appointment by phone or meet with one of our advisors at your local branch. It’s simple and will help you throughout the process.

Little details that matter

Details and conditions of the promotion

The promotional offer is valid from August 16 to November 15, 2021 (the "promotional period").

This offer is intended for anyone who does not have a National Bank chequing account.

The offer may be modified, extended or withdrawn without prior notice at any time. You must have reached the age of majority when you open your chequing account. Employees of National Bank and its subsidiaries and entities are not eligible.

The offer may not be combined or used with any other offer, promotion or benefit applicable to National Bank chequing accounts and banking packages and cannot be applied retroactively. There is a limit of one cashback per eligible product during this promotion. Clients cannot benefit from the offer more than once. Only the primary account holder is eligible for the offer. Joint account holders who open a new account are not eligible for this offer.

Eligible products

To be eligible for the offer, you must open a new chequing account linked to one of the eligible banking packages or offers described below and meet the conditions of the offer.

      Eligible products

Cashback offer

  • Offers for Professionals
  • Offers for Students
  • Offer for Newcomers
  • The Connected® banking package
  • The Total® banking package



Conditions of the $300 cashback offer:

To obtain a $300 cashback, you must open a chequing account with an eligible banking package or offer during the promotional period, then meet 2 of the following 3 conditions:

  • Carry out one bill payment of $50 or more via National Bank online.
  • Set up a recurring automated direct deposit (salary or monthly pension).
  • Set up a recurring pre-authorized payment on your National Bank mortgage from a National Bank account.

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

Timeframe for obtaining the cashback

If you meet the offer conditions, the cashback will be deposited into your new National Bank chequing account within 120 days of the account being opened.


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 open the chequing account. If you do not meet this condition, you will have to refund National 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 account November 1, 2018 are not eligible for this offer.

® THE CONNECTED and THE TOTAL are registered trademarks of National Bank of Canada.

Rates & fees

Transaction fees:

  • Free Interac® e-Transfers2

  • Free online fund transfers between your National Bank accounts5

  • Free online bill payments5

  • Free debit card purchases5

  • Free online statements

  • Free access to cheque images

  • Overdraft protection: $5/transaction

  • Bank drafts in CAD: $9

  • Stop payments: up to $30/transaction

  • Statements by mail: $2.50/month per account

  • Free withdrawals, bill payments and other transactions at National Bank ABMs

  • Withdrawals and transactions at another financial institution's Interac® banking machine: $2

  • Withdrawals and transactions at another financial institution's Cirrus® banking machine: $5

  • 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.

Legal disclaimers

1. Applicable conditions:

  • Discounts are applied upon presentation of supporting documents.

2. No fees for sending an Interac e-Transfer®.

3. 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.

4. Valid at all National Bank of Canada ABMs and over 3,300 THE EXCHANGE® Network ABMs.

5. Free fund transfers can be carried out via your online bank, the National Bank app or our telephone banking servives.

® THE CONNECTED and NATIONAL BANK are trademarks of National Bank of Canada.

® MASTERCARD is a registered trademark of Mastercard International Inc. Authorized user: National Bank.

® THE EXCHANGE is a registered trademark of Fiserv Inc.

® CIRRUS is a registered trademark of CIRRUS SYSTEM Inc.

Explore our other chequing accounts for 18-to-24-year olds

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Branch transactions

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Ready to open your account?

Benefit from our offer today.

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