Offer for youths

Your kids’ first steps to managing their money

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The first step toward financial independence

Managing pocket money is a good way for kids to learn financial responsibility and independence. Our offer for youths is specially designed with their needs in mind and will grow with your children, from infancy to adulthood.

Ideal for

  • Kids aged 17 and under 
  • Teaching them how to start banking online 
  • Showing them how to take the first steps in managing a budget 
  • Guiding them toward independence 

Youth banking packages with no monthly fees

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3 ways to open a young people bank account

Ages 0 to 6: On your marks 

  • Make an appointment at the branch of your choice. A legal representative (parent or guardian) must be present at the appointment.

  • Start saving in your child's trust account.

Ages 7 to 12: Get set

  • Make an appointment at the branch of your choice. A legal representative (parent or guardian) must be present at the appointment.

  • Your child may obtain a debit card with permission from their legal representative.

Ages 13 and up: ...Go!

  • Make an appointment at the branch of your choice. A legal representative (parent or guardian) is not required at the appointment.

  • Your child can go to the appointment alone, open the account, and get a debit card

Want to open an account or get more information about our offers?

Make an appointment

Pouce en l'air

Did you know

If your child is 6 years or younger, the account opened in their name will be a trust account, meaning you maintain full responsibility even if it is in your child's name.

Pouce en l'air


Even if your child is 7 or older, we strongly recommend a power of attorney so you can keep an eye on your child's account. Talk it over with your advisor.

Little details that matter


The passbook option has not been available to new clients since May 4, 2015. If you are an existing client who uses a passbook with your account, a $2.50 monthly fee will apply.


For the fees associated with our products and services, consult the Fee Guide [PDF].

Contract governing personal deposit and investment accounts

For more information on the terms and conditions governing your new account, consult the Contract governing personal deposit and investment accounts document [PDF].

Access to basic banking services

For the terms and conditions governing whether a person may open an account or cash cheques and other items from the federal government, consult our guide to Basic Banking Services [PDF].

Access to funds policy

For details of our cheque hold policy, see the Access to Funds Policy [PDF].

Coercive tied selling

To understand what coercive tied selling is and what is not allowed, consult our pamphlet What you need to know about What you need to know about prohibited conduct [PDF].

Canada Deposit Insurance Corporation

Please refer to our page about Canada Deposit Insurance Corporation (CDIC)

FCAC account selector

Discover the Financial Consumer Agency of Canada (FCAC)’s account selector tool to compare bank accounts.

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

Plan for your child's future


Save for your children's education and receive up to $12,800 in government grants.

Learn about RESPs

High Interest Savings Account

Benefit from a favorable interest rate and help your child get a good start in life.

See the savings account


Ready to open an account?

Talk to one of our experts to get tailored advice.


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