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PROMOTION

Offer for students between 18 and 24

Off to a good start

$119 in savings per year1

with a chequing account

Learn more

We adapt to your student budget

with our Mastercard® credit cards

Learn more

0.05% interest3

with a High Interest Savings Account

Learn more

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Combine our solutions

for a complete experience

Learn more

A chequing account for real life

Compare, choose and save

A chequing account is a must-have for receiving your first pay, making Interac e-Transfers®, easily paying for everyday purchases with Tap & Go® technology, and more.

As a student, enjoy a monthly discount of $9.95 on your bank account. In addition to 900 National Bank ATMs, you can access thousands of The Exchange® ATMs across the country at no charge.

What’s more? These offers are available throughout your studies.

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No-fee Interac
e-Transfers®

 

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A credit card to your advantage

National Bank Mastercard® knows what students need

National Bank Mastercard® offers students no-annual-fee credit cards2, extended warranty coverage and fraud protection. The Priceless Cities® program also provides access to exclusive menus and urban experiences.

By choosing the mycreditTM credit card, you can also enjoy protection against theft or damage of your mobile device7 for up to 2 years.

Both options are great ways to start building your credit history.

 

 

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Savings that grow with you

Your money, your dreams

Opening a High Interest Savings Account means preparing for a bright future, whether it's saving for a trip or an upcoming project.

Let your money work for you without risk. Transfers between your accounts held at National Bank are free of charge and can be quickly accessed when you need it.

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0.05%

Rate3


No minimum balance

to earn interest

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between your accounts held with National Bank

 

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Combine our solutions according to your needs

One visit to your local branch is enough to create a solution adapted to your student life.

Our suggestion:

  • The ModestTM banking package for your everyday expenses
  • The mycreditTM credit card for online shopping
  • The High Interest Savings Account for your savings

The choice is yours! Take advantage of our advisors’ expertise and select the solutions that suit you best. To make an appointment, fill out our form in just a few clicks.

The ModestTM chequing account

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mycredit® credit card

picto-plus-21x21.png

High Interest Savings Account

Discover the student line of credit

For the planned and the unforeseen

The line of credit is a solution well suited to student life. It could help you if you're not eligible for government assistance or need additional financing. In addition to access credit easily, you can reuse the credit you have repaid as soon as you need it.

See the line of credit

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Little details that matter

Banking offer conditions

The promotional offer is valid from August 3, 2020 to November 30, 2020 (“promotional period”).

The offer is intended for all persons without any chequing account at National Bank.

The offer may be modified, extended, or withdrawn without prior notice at any time. You must have reached the age of majority at the time of your enrollment in the covered products. Employees of National Bank and its subsidiaries and entities are not eligible.

The offer may not be combined or used with any other National Bank offer, promotion or benefit and cannot be applied retroactively. There is a limit of one cashback per eligible product during this promotion. The client cannot benefit of the offer more than once. Only the primary account holder is eligible for the offer. The actual secondary account holders that open a new account are not eligible to the offer. The cashback amount varies according to the conditions fulfilled.  
 

Cashback details

To be eligible to the offer you must open a new chequing account with an eligible package described below or sign up to an Offer for Professionals or an Offer for Students and fulfill the conditions. 
 

Eligible products 1st Cashback after opening an eligible chequing account Additional cashback with a recurring and automatic direct deposit to the account Maximum and total Cashback
Offers for Professionals & Offer for Students $50 +$50 $100
The ConnectedTM $100 +$200 $300
The TotalTM $150 +$200 $350


1st Cashback conditions.

After opening your new chequing account and choose an eligible product you must: 

  • Sign up to online banking and to online bank statement
  • Carry out at least one transaction in your chequing account (Interest and banking fees charged to the account are not considered eligible transactions.)

Conditions to obtain the additional cashback.

You must:

  • Set up one (1) recurring and automatic direct deposit of your payroll or monthly recurring pension

You benefit of 60 days following the chequing account opening to meet the offer conditions and obtain the cashback.

Cashbacks will be done in one (1) deposit in your new National Bank chequing account within 120 days of the opening date of your chequing account.

Commitment 

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 after signing up for them. If you do not meet this condition, you will have to repay to the 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 benefit from a cashback offer on their chequing account since November 1st 2017 are not eligible to this offer.

Mastercard® offer conditions

PROMOTION

Offer valid from June 1 to August 31, 2020. Credit card is issued subject to credit approval by National Bank of Canada. Conditions apply.

$100 cashback

Get this cashback if you charge at least $2,500 in net purchases to your account.

The eligible cards are: MC1, Allure®, mycreditTM, SyncroTM and ECHO®.

 

The account must be in good standing for the cashback to be awarded.

To take advantage of the offer, you must sign up for an eligible National Bank Mastercard credit card before August 31, 2020, and activate it no later than September 15, 2020.

The CAA Advantage card is excluded from this offer.

Employees of National Bank and its subsidiaries and entities are not eligible for the offer. National Bank reserves the right to end this promotion at any time without notice.

Over a 4-month period, you'll get a cashback if you charge a minimum amount in net purchases to an eligible credit card account. The cashback will be credited to your account no later than the 30 days after the end of the Offer Period.

As part of these promotions, net purchases refer to the amount in purchases charged to the account less returns and refunds. Annual fees, balance transfers, cash advances, interest charges and any other fees and adjustments are not included in the calculation. The net purchases charged to your card are calculated starting the first day of the month following the account opening. The account must be in good standing for the cashback to be awarded. 

The offer begins and the net purchases charged to your card are calculated starting the month following the account opening (for example, if the account is opened on June 15, purchases will be calculated starting July 1 and the cashback will be awarded by November 15). Net purchases between the first and the last calendar day of the month are calculated.

This promotion is intended for individuals who do not have a National Bank Mastercard credit card and have not held a National Bank credit card within the last 24 months.

Legal disclaimers

1. Savings are calculated as follows: Reduced monthly fee for transactions included in The ModestTM and The ConnectedTM packages (annual savings of $119.40). This savings represents the difference between what is gained by participating in the offer compared to not participating.

2. Card granted subject to credit approval by National Bank of Canada. Certain conditions apply.

Grace period: No interest will be charged on purchases made during the month provided the client pays his balance in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances or balance transfers. Minimum payment: you can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents the entire account balance if your balance is under $10. If you are a resident of the province of Quebec and your balance is more than $10: A) Your account was opened before August 1st, 2019: your minimum payment will represent 2.5% of the account balance until August 1st, 2020, plus any overdue amounts. The minimum payment will increase by 0.5% each year until it reaches 5% on August 1st, 2024. B) Your account was opened on or after August 1st, 2019: your minimum payment will represent 5% of the account balance, plus any overdue amounts. If you reside in a province or territory outside of Quebec, your account balance is more than $10 and your account was opened before or after August 1st, 2019: your minimum payment will represent 2.5% of the account balance plus any overdue amounts. For further information, please refer to the cardholder agreement. Account statement: an account statement is sent monthly.

Examples of fees calculated over a period of thirty (30) days:

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 July 1, 2017

To learn more about the terms applicable to your card, read the Cardholder Agreement [PDF].

3. 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. See current rates.

4. For The ModestTM, The ConnectedTM and The TotalTM: 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.

5. 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.

6. No fees for sending an Interac e-Transfer®. Fees apply to the Interac e-Transfer® itself if you exceed the number of transactions included in your package.

7. Under condition that the mobile device is purchased with your mycreditTM credit card, or mobile service being paid by recurring pre-authorized payments from your mycreditTM credit card.

TM THE MODEST, THE CONNECTED and THE TOTAL are trademarks of National Bank of Canada.

®ALLURE and ECHO are registered trademarks of National Bank of Canada.

TM MYCREDIT and SYNCRO are trademarks of National Bank of Canada.

® Mastercard, TAP & GO and PRICELESS CITIES are registered trademarks of Mastercard International Inc. Authorized user: National Bank.

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

® THE EXCHANGE is a registered trademark of Fiserv Inc.

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