Banking services

Everything’s better with the right online banking tools

Great tools to discover

Quick, safe and convenient—online banking made easy. We're adopting cutting-edge technology to enhance and streamline your banking experience.

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.

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

E-Transfer

Send and receive money in just a few clicks using Interac e-Transfer^® service online or via the mobile app.

See the Interac e-Transfer

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!

See the mobile app

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.

See the mobile payments

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 the contactless payments

Mobile cheque deposit

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

See the mobile cheque deposit

Compare banking services by platform

Banking services	National Bank mobile app	ABM
Digital features
Google Pay or Apple Pay	Only available on the app
Order currency online¹ *Delivery fees may apply
Fingerprint recognition
Categorize your transactions
Overview of your accounts
Cheques
Mobile cheque deposit		Regular cheque deposits
Ordering cheques* *Fees may apply
Sample cheque
Cheque imaging
Transactions²
Outgoing Interac e-Transfer* *$1/transfer
Receive an Interac e-Transfer
Bill payments
Investments and loans
Contribute to an RRSP
Contribute to a TFSA
Loan application
Account management
Send a travel notification
Sign up for National Bank online
Sign up for a banking package or open an account online
Secure Key^®
Display your financial summary (accounts, credit, loans)

Ways to do your banking

Online

Carry out almost all of your transactions quickly and effortlessly online.

With the mobile app

Enjoy practical features like mobile cheque deposit, Apple Pay and Interac e-Transfers.

Download the app

At the ABM or branch

Carry out your transactions at the ABM or visit the branch for personalized service at the counter.

Find a branch

By telephone

Carry out a wide range of transactions with a simple phone call to our telephone banking service.

Use the service

Tip

Looking to save on banking fees and enjoy a range of benefits? Find out if you're eligible for one of our offers for new clients: new comers to Canada, professionals or students.

Little details that matter

Cheque orders and direct deposits

Cheque orders

Choose from a range of designs and covers and decide which personal information to display on your cheques. Fees may apply depending on your banking package.

3 ways to order cheques:

Sign in to online banking. Don't have an account?
Call us at 1-888-835-6281 (options 4-1-1), 7 days a week from 6:00 a.m. to midnight.
Visit your branch and order cheques at the counter.

Direct deposits

Don't have time to go to the bank to deposit your cheque? You can deposit it online or ask the issuer to deposit the funds directly to your bank account so you can access your money immediately, hassle-free.

What's more, you won't have to worry about lost or stolen cheques.

Preauthorized debits and funds transfers

Preauthorized debits

You can pay bills automatically by setting up preauthorized debits. This is a great way to pay your utility bills, insurance, mortgage—and any other payments you make on a regular basis.

Funds transfers

Overdraft protection
Per transfer from a National Bank account, personal line of credit or Mastercard^® credit card	$5/day
Automatic transfers on a set date
Fee per transfer	$1.50
Transfer at the request of another financial institution when an account is closed	$17
**Interac e-Transfer***
Send an Interac e-Transfer	$1
Receive an Interac e-Transfer	$0

$1.50

List of participating Canadian financial institutions

*A $1.25 transaction fee will be added to the service charge for sending an Interac e-Transfer.

Items, overdraft protection and stop payments

Items

An item is a cheque, bank draft or money order.

Item deposited to an account and returned unpaid	$0
Postdated item deposited to an ABM	$5.25
Item received by mail for deposit to an account	$5.25
Overdraft fee for a cheque, pre-authorized debit, payment instruction, purchase by debit card or ABM withdrawal sufficient funds (in addition to interest charges)	$5
Processing a cheque, item or payment instruction drawn on the account and returned or rejected due to insufficient funds	$45

Overdraft protection

Looking to avoid the inconvenience and cost of NSF cheques and declined debit card payments?

Overdraft protection lets you draw on another eligible source to cover the shortfall (a $5 fee is charged per transfer). With your permission, the overdraft is covered by a funds transfer from another bank account, your Integrated line of credit or a cash advance from your Mastercard credit card.

Don't worry about getting caught short—with overdraft protection your cheques, transfers, card purchases, withdrawals, and bill payments are covered.

Stop payments (not available for accounts without chequing privileges)

All information provided (date, amount, name of beneficiary and cheque number)	$16
Not all information provided	$30
For a series of cheques or preauthorized debits A maximum of 12 cheques or preauthorized debits in a series can be stopped.	$30

Account statements

Save money by switching to free eStatements! Going paperless is also a great way to protect the environment—every little bit helps!

View your transactions through online banking, available 24/7. Visit our eStatement page to learn more.

Tracing and documents

Bank letters issued at the client's request	$10
Cheque image request made through telephone banking services or at the branch	5/item⁴(regardless of the transaction date)
Tracing and reproduction of documents (other than items cleared in account statements) within the following timeframes:
Less than 90 days after the transaction date	$5/item⁴
90 days or more after the transaction date	$10/item⁴ $20 min.⁴
Re-issuing a transaction account or investment statement	$5
Request for a list of recent transactions prior to the production of the monthly account statements	$5
Re-issuing a loan statement (mortgage or other)	$10

Legal disclaimers

TM Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor or participant of National Bank Mobile Banking Solutions.

TM Google Pay and the Google Pay Logo are trademarks of Google LLC. The use of this trademark is subject to Google Inc.’s authorization policy.

^® Registered trademark of Interac Inc. Authorized user: National Bank.

^® SecureKey Concierge Service, SecureKey, the SecureKey logo, briidge.net and SecureKey app logo are trademarks, registered trademarks or servicemarks of SecureKey Technologies Inc.

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

^®Interac Flash is a registered trademark of Interac Inc., used under licence.

1. For USD bank drafts, applicable fees are in USD.

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. Subject to credit approval by National Bank of Canada. Interest charges are not waived with this package. For interest rates in effect, visit our current rates page.

4. Fees paid by the client even for requests made by a third party.

Banking services