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Offer details

Up to


in annual savings1

1 bank account3

with reduced fees


World Elite
World Mastercard

or Platinum

credit card2

Line of credit and mortgage4

with preferential terms and conditions

Exclusive benefits for

  • Lawyers
  • Accountants (CPAs)
  • Notaries
  • Graduates from a qualifying Business school
  • MBAs
  • CFAs
  • Actuaries
  • Bachelor of Commerce graduates
  • Human Resources Advisors
  • Industrial Relations Advisors

How does it work?

The package includes a bank account, attractive terms and conditions on your financing solutions and a Mastercard credit card. 

Sign up for a banking account with reduced fees

plus sign

Keep a minimum balance in your account and avoid the monthly fixed fee

plus sign

Enjoy a line of credit and a mortgage with preferential terms and conditions

1 - Get a bank account with reduced fees

Get a CAD or USD bank account for just $9.95 per month. Maintain a minimum balance of $2,500  and pay no monthly fee.


  • First order of 100 personalized cheques included 
  • Sending an Interac e-Transfer: free of charge
  • Protect your valuables with a 50% discount on a safety deposit box9
  • Ensure that you never get caught short with our overdraft protection
  • Access your accounts from anywhere in Canada with the THE EXCHANGE® ABM network
  • Do your banking online using our website or mobile app

2 - Enjoy attractive terms and conditions on your financing solutions

Personal Flex Line®,10

This line of credit is accessible any time. Power your ideas without having to apply for a new loan!


Exclusive rate

Prime rate + 0.50%


current interest rate
No management fees


Discover the Personal Flex Line

National Bank All-In-One®,11

A home equity line of credit that groups together your bank accounts and your short-term cash and financing needs.

Exclusive rate

Prime rate + 0.50%


current interest rate
Fee of $7 per month per account


Discover the National Bank All-in-One

Mortgage loan4

Split your mortgage into smaller portions—each with its own rate, term, payment frequency and amortization period.

3 - Treat yourself with our rewards plan if you get a Mastercard rewards credit card




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annual fee


purchase rate


balance transfer and cash advance rate

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4 - Grow your savings

Take advantage of great offers on the following investment products14:

5 - Achieve your goals with NATgo our online investment solution combined with expert advice from our experts.

6 - Benefit from our exclusive commission fees at National Bank Direct Brokerage!

Take control of your investment by trading on our new brokerage platform, and benefit from the preferential pricing offered to you.


  • Stock commissions at $5.95 per trade16
  • Canadian and American Exchange Traded Funds at $0 commission17
  • No annual administration fee

Discover the direct brokerage offer

Providing support throughout your career


Do you own a firm? Get financing4 for your work location, manage your employees more efficiently and benefit from commercial accounts with reduced fees. Our team of experts is here to help.

Discover our offers for businesses


Earn savings while you study and manage your finances more easily with a Mastercard credit card2, a bank account3 with no monthly fee and a personal line of credit.4

Discover our offers for students

National Bank is a proud partner of

Logo du Barreau du Québec
diplômés fondation HEC Montréal logo

Little details that matter

Eligibility criteria

  • Be a member of a provincial professional order of lawyers, accountants (CPAs) or notaries, or be a graduate from a qualifying Business school
  • Provide proof of professional status12
  • Have an eligible bank account13

Legal Disclaimers

® THE EXCHANGE is a registered trademark of Fiserv Inc.

®Mastercard, World Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

® The Personal Flex Line, the All-In-One and The Total are registered trademarks of National Bank of Canada.

TM The NATGO word mark is a trademark of National Bank of Canada, and is used under license by authorized third parties.

National Bank Direct Brokerage (NBDB) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada, the Canadian Investor Protection Fund, and is a subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). NBDB provides order execution only services and makes no investment recommendations. Clients are solely responsible for the financial ant tax consequences of their investment decisions.

1. Subject to credit approval by National Bank. The $1,504.50 in annual savings is provided as an example only to illustrate what a holder could save with the offer. It is based on the typical profile of a client who has the following products: a banking package equivalent to The Total®, a National Bank All-In-One® home equity line of credit with an annual balance of $150,000 and a personal line of credit with an annual balance of $25,000, and has a good credit rating.

Savings are calculated as follows: Monthly fee of $9.95 for transactions included in The Total®  package, instead of $25.95 (annual savings of $192), plus an annual discount of 0.50% on the All-In-One line of credit rate (annual savings of $750), plus an annual discount of 2.25% on the rate of a personal line of credit (annual savings of $562.50). These savings represent the difference between what a client with the offer and a client without it would pay. Certain eligibility conditions apply. Potential savings may not reflect the net savings that you will receive; this amount will vary based on your financial situation.

2. Subject to credit approval by National Bank of Canada. Certain conditions apply.

3. A chequing account. Some services such as the passbook and paper statement by mail are not included.

4. Financing subject to credit approval by National Bank. Certain conditions apply.

5. Certain restrictions apply. Please consult the applicable rules governing reward points under Rewards plan.

6. 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.

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 December 20, 2016.

7. Subject to credit approval by National Bank. Each balance transfer must be at least $250.

8. Only the spouse of the main cardholder of the Mastercard credit card included with the offer for professionals is eligible for an additional card. Regular annual fees apply for the additional card.

9. Minimum 12-month rental in Canada. Certain conditions apply. Details are available at our branches. For safety deposit box fees, see Your Guide to Personal Banking Solutions.

10. Subject to credit approval by National Bank. Upon receipt of each statement, the borrower must pay a minimum instalment 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 instalment must be made without using the line of credit.

11. Subject to credit approval by National Bank. Interest rate on the All-In-One (line of credit portion) as at October 25, 2018:  ${p1.tauxBase|percent:"true"} + 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.

12. This offer must be renewed annually on presentation of identification and proof of professional status.

13. National Bank reserves the right to cancel the savings and benefits offered as part of the banking offer at any time, without prior notice, if the client closes his eligible bank account or Mastercard credit card and replaces them with an ineligible account or Mastercard credit card.

14. For more details, contact an advisor.

15. The commissions shown are for trades carried out online. For more information about commissions and general fees, please refer to our brochure.

16. Trades must involve 100 or more ETF units and must be carried out using our electronic solutions. Clients must also sign up to receive all their documents electronically.

Ready to apply?

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


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