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Offer for law and business students

Our verdict? You won't find a better deal


At a glance

Up to


in annual savings1

1 bank account3

with no monthly fee



credit card


line of credit4

Advantages for

  • Full-time university level students enrolled in an accounting program
  • Full-time university level students enrolled in a law program
  • Law interns
  • Full-time students at HEC Montréal or the Rotman School of Management (minimum requirement: B.A.)
  • Full-time students enrolled in an MBA program
  • Pursuit of CFA title (level 1 completed)
  • Full-time university level students enrolled in actuarial studies
  • Full-time students enrolled in Bachelor of Commerce studies 

Study with peace of mind thanks to our great offer!


The perks in detail

Step 1 icon

A bank account with no monthly fee

Get a Canadian or U.S. dollar account with no monthly fee.


• Unlimited ABM and online transactions
• Unlimited Interac e-Transfers®
• 100 personalized cheques free of charge
• Overdraft protection
• Access your account from anywhere in Canada via THE EXCHANGE® ABM network
• Manage your finances through our mobile app or online platform

Step 2 icon

A Platinum Mastercard® credit card

Pay no annual fees for the first two years. The regular annual fee will be billed automatically two years after the card is issued.

$89 annual fee

19.99% purchase rate

22.99% balance transfer and cash advance rate5-6


  • Travel rewards
  • Up to 1 point per dollar spent7
  • Comprehensive travel insurance8
  • Vehicle rental insurance

View card details

Step 3 icon

A line of credit with preferential terms and conditions

Our student line of credit9 helps you cover unexpected expenses.

Great rate

Prime rate +  0.50 %



  • Repaid credit can be reused as needed
  • Your credit limit is established based on your needs and program of study

See our student line of credit

Magic wand tip icon


Twice as nice: Get a second Mastercard credit card so your spouse can also benefit from this offer.10

Providing support throughout your career


Ready to launch your professional career? Save on your transactions and get a great rate on a line of credit and mortgage with our offer for professionals.

See offer

Business banking

Have you completed your studies and want to open your own firm? Get financing11 and benefit from tools and advice to simply your HR management with our offer for entrepreneurs.

See offer

National Bank is a proud partner of

Logo of the Barreau du Québec
Logo of the Alumni HEC Montréa

Little details that matter

Eligibility criteria

  • Be a full-time university student in accounting or law, or be an intern in notarial law or a full-time student (minimum level: Bachelor's) at HEC Montréal or the Rotman School of Management.
  • You must visit the branch once a year to update your file (show two pieces of ID, proof of full-time student status and your most recent transcript).
  • Have an eligible bank account12.

Student line of credit rate

Prime (P) = ${p1.tauxBase|percent:"true"}

With guarantor
P + ${p1.ecart|percent:"true"}${p1.taux|percent:"true"}
Without guarantor
P + ${p1.ecartAutre|percent:"true"}${p1.tauxAutre|percent:"true"}

Legal disclaimers

® MASTERCARD is a trademark of Mastercard International Inc. used under licence by National Bank of Canada.

®THE EXCHANGE is a registered trademark of Fiserv Inc.

® INTERAC, the INTERAC logo and INTERAC e-Transfer are trademarks of Interac Inc. Used under licence.

® THE TOTAL is a registered trademark of National Bank of Canada.

1. Subject to credit approval by National Bank. As an example, an offer holder can potentially save up to $642 per year. This figure is based on the typical profile of an offer holder who has the following: a banking program equivalent to ™The Total program (™The Total is available for a monthly cost of $16 to full-time postsecondary students age 18 to 24; other banking packages and programs are also available) and a bank-authorized Student Line of Credit with guarantor with a current annual balance of $30,000.

The savings were calculated as follows: no monthly transaction fees included in ™The Total package (annual savings of $192), plus an annual 1.50% discount on the Student Line of Credit rate (annual savings of $450). These discounts represent the difference between what a client who is not an offer holder might have and what an offer holder might have. Some eligibility requirements apply. These potential savings may not match your net savings, as they vary according to your financial situation.

2. Subject to credit approval by National Bank of Canada. Certain conditions apply. Two years after the card is issued, the regular annual fee in effect will automatically be charged to the account. Offer cannot be renewed.

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

4. Subject to credit approval by National Bank. Certain conditions apply. A guarantor who satisfies National Bank's criteria may be required. The annual amount is based on your personal budget needs.

5. 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. The minimum payment to be made to the Bank every period will be equal to 2.5% of the account balance plus any overdue amount or $10, whichever is higher (or the account balance if it is lower than $10). If the credit limit is exceeded, the minimum payment required will be 2.5% of the account balance or the amount in excess of the credit limit, whichever is higher. Account statement: A statement is sent monthly.

Examples of credit charges

Example of credit charges over a 30-day period:

Annual interest rate
Average balance
$500 $3,000
19.99% $8.22 $49.29
22.99% $9.45 $56.69

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

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

8. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, his/her spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new articles purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

9. Subject to credit approval by National Bank.

The regular rate for a line of credit is the prime rate* + 3%, which corresponds to 6.20% (${p1.tauxBase|percent:"true"} + 3%) as at October 25, 2018. As the applicable rate is based on the prime rate, it may fluctuate over time. No management costs. Account statements are produced monthly. Interest accrues as soon as an amount is drawn on the line of credit. Students must start repaying the principal when they have a full-time job or within 12 months of the end of their studies.

*The prime rate means the annual variable interest rate posted by National Bank, from time to time, and 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 today's rate.

Examples of credit charges calculated for a period of thirty (30) days for the student line of credit based on the rate in effect on September 8, 2017.

  Average balance
$5,000 $15,000
Prime rate + 3.00% (6.20%)
$25.48 $76.44

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

11. Subject to credit approval by National Bank.

12. National Bank reserves the right to cancel the savings and benefits offered as part of the offer for professionals 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.

Ready to apply for the package?

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


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