Offer for students in teaching programs 

Learn more about your future savings

Apply now

The offer summed-up

Up to

$567

in annual savings1

1 bank account3

no monthly fee


 

Platinum
Mastercard® 2

credit card with no annual fees for the first 3 years

Student

line of credit4

These benefits apply to students enrolled in the following programs: 

  • Bachelor’s in pre-school and elementary education 
  • Bachelor's in secondary education
  • Bachelor’s in vocational education 
  • Master’s in education 
  • Master’s in pre-school and elementary education 
  • Master’s in secondary education 
  • Master’s in teaching

3 perks just for you

Picto of an encircled number 1 

A bank account with no monthly fee

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

Advantages

• Unlimited ABM and online transactions
• Unlimited Interac e-Transfers®
• 100 personalized cheques free of charge (shipping fees and taxes not included)
• Overdraft protection
• Access your account from anywhere in Canada via THE EXCHANGE® ABM network
• Manage your finances through our mobile app or online platform

Picto of an encircled number 2

A Platinum Mastercard® credit card

$0 annual fee for the first 3 years ($89 annual fee from 4th year)

A $89 annual fee will be automatically applied starting from the 4th year.

20.99% purchase rate

22.49% balance transfer and cash advance rate5-6

Your advantages

  • Travel rewards
  • Up to 1 point per dollar spent 7
  • Comprehensive travel insurance 8
  • Vehicle rental insurance 8


Discover the Platinum Mastercard credit card

*The regular annual fee will be billed automatically three years after the card is issued.

Picto of an encircled number 3

A line of credit with preferential terms and conditions

Our student line of credit9 helps you cover unexpected expenses.

Great rates

Prime rate10 + 0.75%

${p5.infirmier|percent}

No management fees11

Your advantages

  • 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

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Quick tip!

Did you know that by signing up for the student offer, you could transfer your student line of credit to the National Bank for up to 6 months after the end of your studies and still benefit from the advantages?12

It’s never too soon to start saving and investing

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Short-term savings

With a high-interest savings account you can access your funds at any time. 

Learn more about the High-Interest Savings Account

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Independently manage your investment  accounts

To take control of your investments with powerful tools and a dedicated team of experts. 

Discover National Bank Direct Brokerage

Services  designed for you

 

Benefit from legal assistance

In partnership with FBA Solutions, access lawyers by phone and get legal information in many areas9.

Discover legal assistance services

 

Take precautions against identity theft and fraud with SECURIZONE

Get a special rate of 20% or 50% off the SECURIZONE® product selected. Take advantage of tools and products to improve your security and get assistance in the event of identity theft and fraud.

Discover the SECURIZONE program

A gym teacher offering advice to a child.

By your side throughout your career

Have you graduated?

Save on your transactions, get a line of credit, and a mortgage with great conditions thanks to our exclusive offer for teachers and educators.

Discover our offer for teachers

Ready to apply for the package?

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

Apply now

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Little details that matter

  • Be a full-time student in Canada.
  • 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 account11.

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

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

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

®THE EXCHANGE is a registered trademark of Fiserv Inc.

® The Interac logo and Interac e-Transfer are registered trade-marks of Interac Corp. Used under licence.

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

SECURIZONE is a registered trademark of National Bank of Canada used by NBC Assistance Inc.

SECURIZONE:

Preferred monthly pricing of $2.95 (individual) or $4.45 (family) plus taxes for SECURIZONE 2.0, $4.95 (individual) or $7.50 (family) plus taxes for SECURIZONE Alert, or $14.35 (individual) or $20.75 (family) for SECURIZONE Assistance. This represents a discount of 50% off SECURIZONE 2.0 and SECURIZONE Alert, and 20% off SECURIZONE Assistance. The preferred rates for holders of National Bank's privilege offers will remain in effect for as long as you're eligible for an offer. If you no longer have a privilege offer, the regular monthly pricing of $5.95 $ (individual) or $8.95 (family) plus taxes for SECURIZONE 2.0, the regular monthly pricing of $9.95 (individual) or $14.95 (family) plus taxes for SECURIZONE Alert, or the regular monthly pricing of $17.95 (individual) or $25.95 (family) plus taxes for SECURIZONE Assistance will apply.

NBC Assistance Inc. and National Bank can terminate or change the duration and preferred rate of SECURIZONE products for holders of National Bank's privilege offers at any time, with 30 days' notice prior to the effective date of the amendment. This notice will contain the new and amended clause, the old clause that was amended (if applicable), and the effective date of the amendment. If you do not agree to the changes, you can cancel the program with no penalty by sending us a notice no later than 30 days after the changes come into effect.

1. Subject to credit approval by National Bank. The offer is available to holders of a National Bank Platinum credit card. The $567 in annual savings is provided as an example only to illustrate what a holder could save with the offer. It is based on the profile of a client who has the following products: The Total® package or equivalent (The Total® is available for a $16 monthly fee to full-time post-secondary students between the ages of 18 and 24 years old; other accounts and offers are also available) and a student line of credit with a $30,000 limit authorized by the Bank with a guarantor.

Savings are calculated as follows: No monthly fee for transactions included in The Total® Account (annual savings of $192), plus an annual 1.25% rate discount for the Student Line of Credit (annual savings of $375). 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. Three 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. Included services and fees for non-related services are listed in our Rate Guide, available in branch or at nbc.ca.

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. 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.

Examples of credit charges

Example of credit charges over a 30-day period:

Annual interest rate
Average balance
$500 $3,000
20.99% $8.63 $51.76
22.49% $9.24 $55.45
 
*Variable interest rate in effect on September 1, 2021

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. Applicable only for 10 days of travel. 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. Questions relating to any commercial or criminal activity are excluded.

10. 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 CDN$ in Canada. Visit nbc.ca/primerate for the rate in effect.

11. Monthly account statement. No management fees. The applicable rate for a Student Line of Credit is established by the prime rate, plus a spread, depending on if the client must provide a guarantor or not. As a guideline, the applicable rate for a typical Student Line of Credit with a guarantor is comprised of the prime rate + 2%. The applicable rate for a typical Student Line of Credit without a guarantor is comprised of the prime rate + 2.75%. Once an amount is borrowed from the line of credit, it accrues interest. The minimum monthly payment is limited to the monthly interest and life insurance premiums (as applicable). Examples of credit fees calculated over a 30-day period at the applicable rate as at March 31, 2020:

     Average Balance   
$500 $3 000
Typical Student Line of Credit with guarantor $1.83 $10,97
Typical Student Line of Credit without guarantor $2,14 $12,82
Prime rate + 0.75% (3.20%) $1.32 $7.89

 

12. Subject to credit approval by National Bank. Transfer is possible during and after completion of studies. To maintain student benefits, the transfer of the line of credit to the National Bank must be made no later than 6 months after the end of studies. You must provide proof of attendance from your post-secondary institution located in Canada (last available proof if the transfer is at the end of your studies) and your latest transcript showing successful completion. The usual conditions for the student line of credit also apply to the transfer, with the necessary adjustments.

13.  National Bank reserves the right to terminate, without notice, the savings and other benefits on all products and services included in the banking offer, if the client closes their eligible bank account. In the event the client cancels their eligible credit card or replaces it for a credit card that is not eligible for the offer, National Bank will charge fixed monthly fees of $12.95 on the transaction accounts to enable the client to maintain their savings and other benefits in the banking offer.