My online bank

Hello,
I’m Sugnesh Patel, and I’m joined by my colleague Gavin.

Each year, we help hundreds of clients carry out their daily transactions.
We advise them on the best solutions to save time and money and carry out transactions in complete security.
With digital features and services rapidly changing, it’s normal to be anxious.
Don’t worry! Today we’ll go over five digital features that will make your life easier.

Have you ever turned back to the branch for a deposit because of the lineup?
Want to check your balance whenever you want?
Do you owe a friend an amount of money and have no more checks or cash?

This is where digital solutions can make your life easier. And don’t panic, a transaction made by mistake could still be reversed.
Not convinced? Let us prove you wrong.

Here’s what you’ll be able to do after watching the video: Create an account and sign in, deposit cheques, pay bills, carry out transfers between accounts and Interac^® e-Transfers and schedule appointments. Now let’s go over how to create an online account or sign in.

To get started, type nbc.ca in your search engine. Then, click “Sign in” and select “Personal”. If you don’t already have an online account, you’ll need a personal and unshared email address.

First step: How to create your account online or sign in.
Fill in your personal information. Choose a strong password and keep your password secret. Consult the ABCs of Security for more information. A strong password is long, as much as 21 characters. You should also use a different password for each online service, your email, bank account and social networks.

National Bank will never ask for your password, whether by text, email or phone. If someone asks for your password, it’s very likely to be a fraud attempt. Never share your passwords with anyone.

Now that you have an online account, let’s go over a feature that will save you some time.

You have a cheque to deposit, but you don’t have time to go to a branch? Deposit a cheque by the National Bank app. It’s easy and simple to use. A few clicks and you’re done. It’s practical, no need to go to a branch and it is fast, your funds are deposited immediately.

Start by downloading the National Bank app from the App Store or Google Play. Important: Cheques can only be deposited using your cell phone or tablet via the National Bank app. Once in the National Bank app, follow these five steps to deposit your cheque.

1. Connect to your online bank from your cell phone or tablet.
2. Click on the deposit icon.
3. Enter the amount.
4. Take a photo of the front of your cheque first, then the back.
5. Select the account you want to deposit to and confirm the transaction.

Don’t be surprised, as you bring your phone closer to the cheque, the app will automatically take a photo without you needing to press a button.
To avoid having to start over, make sure your cheque is on a flat and even surface.

Don’t worry. If you think that the amount shown on the image isn’t correct, you’ll be asked to confirm the amount before depositing the cheque.

Note that we might hold your funds. This is depending on the withdrawal limit, the one associated with your debit card.

Once your transaction is complete, a message will tell you how long to keep your cheque before destroying it. It’s as simple as that! It’s even easier with a demo. Visit demo.nbc.ca for a step-by-step assistance.

Now let’s look at another very useful feature: Online bill payments.

Is your electricity or municipal tax bill almost due?
Want to schedule a payment to avoid forgetting one and paying late fees?
It’s possible with online bill payments. All you need is a computer, tablet, or cell phone.
You also need to have your bill in hand for the reference number and a paper and pen to note the confirmation number.

To get started, sign in to your online account. Click "Pay". Search for your supplier by clicking “Add a bill”. You can either search in alphabetical order or type the supplier’s name directly into the search bar.
You will need to enter the reference number, also known as the notice number or invoice number.

Several suppliers include the number to enter the online payments on their bills. My online bank also gives you more information on this.
If you have more than one account with the same supplier, you can add a second account and change its name. It’s even easier with a demo. Visit demo.nbc.ca for step-by-step assistance.

Now let’s see how to send an Interac^® e-Transfer or transfer funds between your accounts.

You were part of a group gift and you have to pay your share?
Is your niece celebrating her 18th birthday and you want to give her money to mark the occasion? Sending an electronic transfer is easier than choosing a birthday card!
You can do it on your computer, tablet or cell phone. You must have your debit card on hand.

On my online bank, you’ll see two transfer features; 1. "Send money", for transferring funds to other people or "Move money": transferring funds between two accounts of your own.

Add the recipient, their first and last name and choose how they will receive the transfer: by email or by text message.

When you have added the recipient, the amount and the frequency. You will be asked a security question. You will need to communicate the response with the recipient before making the transfer to ensure that they will receive the funds.

To transfer funds between accounts, from the transaction menu, click "Move money". Select your two bank accounts: the account you want to transfer money from and the one you want to transfer money to.

You just have to add the amount you want to transfer, the date of the transfer and the frequency. It’s even easier with a demo. Visit demo.nbc.ca for step-by-step assistance.

The “Send Money” option lets you transfer money to a recipient regardless of the bankwhere their account is held. Transfers between National Bank clients are free. Interac^® e-Transfers are also included in most of our banking packages.

The Bank’s mission is to provide you with easily accessible advice.
With our digital solutions, you can carry out a wide range of transactions from anywhere and at any time. Don’t worry. Our employees are still there to assist you with your more complex needs and to answer your questions. It’s easy and simple to book an appointment. You can even do it online!

There are three ways to make an appointment: by computer, tablet or cell phone. You must have also a personal email address.
There are three steps to making an appointment. Step one, click "Personal Banking" in the navigation bar. Step two, go to the "Quick Links" section at the bottom of the pageand click "Make an appointment". Step three, follow the steps and tick "Make an appointment". Simply choose the date and time, and you’ll receive confirmation of your appointment via email. 

Thank you to spending time with us today, we hope you find this information helpful. If you require further assistance, you can come visit us at your local branch.