Important notices

Canada Post labour disruption: Here are some tips for your banking operations

A labour disruption at Canada Post was announced on Friday, November 15, 2024. As a result, postal services have been affected across the country.

Here are some alternative solutions to limit the effects of this situation on your daily transactions and payments.

Sign up for our digital banking solutions to:

Pay your bills.
Send money and make transfers between your accounts.
View your banking information at any time.
Verify the amount or balance on your credit cards, mortgage or other loans.
Etc.
Contact your service providers to receive your statements and bills by email.
Set up automatic payments for your bank account or credit card. This will help you avoid late payments.
Use our ABMs or visit one of our branches to make your payments and view your account information.

Do you receive cheques or regular payments from government organizations or services?

Contact them directly to find out about the options available to you. If possible, sign up for their direct deposit services so that funds are deposited directly into your account.

Information about receiving debit and credit cards

It may take longer than expected to receive your debit or credit card. If you need your debit card urgently, you can visit one of our branches with two pieces of identification.

Need help signing up for our digital services?

Watch our demo or visit our Help centre. For more information on the current situation, we invite you to visit the Canada Post website regularly.

National Bank Savings and Investments: A new name for the mutual fund brokerage business division of National Bank Investments

We would like to inform you that as of November 1, 2024, our mutual fund brokerage business division will become National Bank Savings and Investments Inc., a separate entity from National Bank Investments Inc.

This change will have no impact on the delivery of current services. The new name will appear on investment portfolio statements issued after November 1, 2024. We are making this change to better reflect the full range of savings and investment solutions we offer to help you achieve your financial goals. To learn more about our solutions, visit Managed solutions and investment funds.

The investment fund management activities will continue to be operated by National Bank Investments Inc., whose team is renowned for its expertise and commitment to quality and innovation in the field of asset management.

I received a cheque from National Bank Investments (NBI) after November 1. Is it still valid?

All NBI cheques issued after November 1, 2024, are valid. The name change will not prevent you from cashing any cheques received after this date.

Why is the app still displaying the National Bank Investments (NBI) name and logo?

As of November 1, 2024, the National Bank Savings and Investments (NBSI) name and logo will replace National Bank Investments (NBI). You’ll need to update the app to see the change.

Will the name change to National Bank Savings and Investments (NBSI) affect my NBI solutions?

No, the name change from NBI to NBSI will have no impact on your investment solutions. NBSI will continue to distribute NBI solutions such as NBI Funds, NBI Portfolios, and NBI Private Wealth Management.

Do I need to do anything for my NBI account statement to become my NBSI account statement?

No action is required on your part.

Will NBI also be changing the names of its investment solutions?

No. The investment fund management activities will continue under the National Bank Investments Inc. entity. Only the entity responsible for mutual fund distribution and that sells NBI solutions will change its name to National Bank Savings and Investments.

The activities of National Bank Investments Inc. will be split into two distinct entities as of November 1, 2024. The mutual fund distribution activities will be carried out under the entity National Bank Savings and Investments Inc. and the investment fund management activities will continue to be operated by National Bank Investments Inc. The two separate entities will be integrated into the National Bank of Canada group.

Our spring offer: 2x the points or 2x the cashback is ending on Juin 22, 2024

We would like to advise you that our spring offer ends on June 22, 2024. This targeted offer was sent to eligible clients by email at the beginning of May 2024. The rewards points or cashback bonuses associated with this offer will cease to apply after this date, depending on your credit card. You will revert to the usual benefits of your credit card.

There are no further changes to your credit card rights and obligations. You may also refuse them by changing your credit card or closing your credit card account, at no charge other than those related to the use of your card, by contacting us at 514-394-1427 or at 1-888-622-2783.

Changes to your All-In-One line® of credit

As of July 7, 2024, certain updates to your All-In-One® line of credit will take effect. Here’s what’s going to change for you.

Reduced interest rates

Starting July 7, 2024, the interest rate for exceeding the credit limit on your All-In-One® line of credit will decrease (currently set at double the variable interest rate). The variable interest rate applicable to advances on your line of credit will now apply if the limit is exceeded.

Until July 6, 2024: Interest rates if you exceed your credit limit	As of July 7, 2024: Interest rates if you exceed your credit limit
Double the variable interest rate applicable to your line of credit. Check your line of credit contract or monthly statements to see the rate that applies to your line of credit.	Any advances made on your line of credit, even if it exceeds your credit limit, will accrue interest at the variable rate applicable to your line of credit. Check your line of credit contract or monthly statements to see the rate that applies to your line of credit.

Until July 6, 2024: Interest rates if you exceed your credit limit

As of July 7, 2024: Interest rates if you exceed your credit limit

Double the variable interest rate applicable to your line of credit.

Check your line of credit contract or monthly statements to see the rate that applies to your line of credit.

Any advances made on your line of credit, even if it exceeds your credit limit, will accrue interest at the variable rate applicable to your line of credit.

Check your line of credit contract or monthly statements to see the rate that applies to your line of credit.

No more overdraft fees

An upcoming change will be the removal of overdraft fees for any transaction that leads to or increases overdraft on the credit limit, such as a cheque, pre-authorized debit, payment, debit card purchase, or an ABM withdrawal made without sufficient available funds (subject to applicable interest charges to the aforementioned overlimit fees).

Fees until July 6, 2024	Fees as of July 7, 2024
5 $/ transaction	No overdraft fees

Good to know :
You must, on your own initiative, repay any amount that exceeds your credit limit as soon as the limit is exceeded. Also, using more than the authorized credit limit can affect your credit score. That’s why we recommend that you only spend within your credit limit.

®National Bank All-in-One is a registered trademark of National Bank of Canada.

Updates to the National Bank Private Banking 1859 banking offer

As part of the evolution of National Bank Private Banking 1859’s banking offer, we will be making certain changes to banking products, services, and associated fees and benefits.

The changes will come into effect throughout 2024 and will affect the following:

The benefits and pricing of your banking package
The annual fee for the Private Banking 1859 World Elite® Mastercard® credit card
The Dialogue™ telemedicine service
The Securizone 360™ assistance program

If you have any questions, please contact your Private Banking 1859 team.

Little details that matter

® PRIVATE BANKING 1859 is a registered trademark of National Bank of Canada.

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

^TM SECURIZONE 360 is a trademark of National Bank of Canada, used under licence by NBC Assistance Inc.

^TM Dialogue is a trademark owned by Dialogue Technologies Inc. (“Dialogue”) and provided by Dialogue and may not be otherwise used without the prior consent of Dialogue.

Erratum concerning the end of promotion for the first year of offer for newcomers

February 2024. Our offer for newcomers includes attractive rates for three years from the date of the account being opened.

A notice was sent when the promotion applicable to the first year of our offer for newcomers ended. This notice should have mentioned that the following fees would apply as of the end of the first promotional year:

Withdrawals, transfers, and bill payments made at one of our branches: $1.50/withdrawal.

To resolve the situation, clients who did not receive the full notice and who carried out the above-mentioned transactions between the end of the first promotional year and the receipt of this notice have been credited. The credited amount is equivalent to the fees that may have been applied during this period concerning these transactions. In the future, the above fees will apply.

As a reminder, the following fees also apply:

Mailed bank statement: $2.50/month per statement
Fixed monthly fee: $7.98 for the second year (50% discount)

There are no other changes to the rights and obligations associated with the offer for newcomers. All applicable conditions can be found in the contract. If you have any questions, don't hesitate to contact us. See the different ways to reach us.

An update to the assistance service for newcomers

As of February 29, 2024, the assistance service for newcomers included in the first year of the offer for newcomers will be updated to become a legal support service.

General information about any of the following areas or guidance to the right organizations:

Immigration
Legal matters
Housing
Daily life
Personal finances

Legal information when speaking directly with a lawyer at no cost on the following areas:

Immigration
Housing
Employment
Education
Health
Everyday life

This service remains free of charge for the first year of the offer for newcomers through the National Bank Assistance Network™.

You can always refuse these changes by switching your package or closing your account at no cost, aside from those associated with the use of your account, by visiting one of our branches.

Read this document to see the complete details of the offer.

Contact the legal support service at the same phone number and during the same hours of operation as the previous one: