On June 30, 2022, we will change and simplify our contracts for the deposit accounts, investment accounts, lines of credit and credit cards. We will also set up electronic alerts and postal notifications for your products.
New electronic alerts
With these alerts, you’ll avoid unpleasant surprises: we’ll notify you if your balance or available credit reaches a certain amount for a bank account, a line of credit or a credit card. Starting June 30, you’ll be able to manage these alerts yourself and change the amount for the alerts in your online bank and National Bank app.
Notifications for the end of a promotion or to renew your GIC
You will receive postal notifications prior to the maturity date of your promotion or Guaranteed Investment Certificate (GIC). This will allow you to anticipate your GIC renewal well in advance of its maturity date.
Contracts will be easier to understand
We know that contracts are not the easiest documents to read, and they include various clauses. We’ve made the contracts for deposit accounts and credit cards as simple as possible, so that you can better understand and refer to them. Please note that this revision does not change the meaning of the clauses in these contracts.
Changes to the deposit account agreement
Current version, in effect until June 29, 2022 |
New version, in effect as of June 30, 2022 |
Title Contract governing personal deposit and investment accounts |
Title Deposit account agreement |
3.3. New: Electronic alerts If you have provided us with an email address, we will send you an electronic alert when the balance in your account falls below $100 or any other amount you choose. It will also be possible to receive an electronic alert on your cell phone when this service becomes available. You can choose to opt-out of receiving electronic alerts or change your preferences (including the amount set for the alert) via online banking services. |
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3. g. Exchange rate for foreign currency transactions Foreign currency debit card transactions are converted into Canadian dollars at the rate and based on the conversion method determined by the network used. We apply a 2.5% charge to the conversion rate used by this network.
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4.3.2 Foreign currency transactions (other than by cheque) You can make a transaction in a currency other than the currency of your account. The amount of the transaction will be converted into the currency of your account at the rate and according to method of conversion determined by the network used. We add a 2.5% fee to the conversion rate used by this network for each transaction. A transaction includes a debit or credit to your account. The applicable exchange rate may be different depending on the date and time of the transaction. |
3. b. Security measures to safeguard your transactions To safeguard your transactions, you must:
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5.2 Your security obligations When you use your card, you must:
You must notify us immediately if:
You may be required to reimburse losses if you fail to notify us of these situations. |
13. Our contact information You can reach us:
Various mechanisms exist to settle issues or problem situations that you may encounter in your business dealings with us. For more information, please read our complaint settlement brochure, available in branches and on our website nbc.ca. |
11. Complaint settlement For more information on our complaint settlement process, please visit nbc.ca. Go to the “About Us” section at the bottom of the page and select “Complaint settlement” or call 1-888-835-6281. |
11. h. Termination of contract (…) We may terminate this contract via written notice of at least 30 days if:
We can terminate this contract anytime and without notice if you use an account or our services in an unusual, illegal or abusive manner. |
8.7.2 Our right to terminate this agreement We may terminate this agreement at any time by sending you a reasonable prior written notice. We can terminate this agreement at any time without notice if:
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9.d. Limitation of our liability Unless other provisions in this contract provide otherwise, you cannot hold us liable for a loss or claim concerning this contract and your account, except if caused by a serious or intentional fault on our part. We are therefore not liable for a loss resulting from:
We are not liable for indirect, consecutive, special or punitive damages. We are moreover not liable for losses resulting from force majeure, an act of cybercrime or cyber threats, technical failure, the unavailability of our systems or any other event beyond our control. In the event of the failure of our services, our responsibility is limited to taking all reasonable business measures to restore them to proper working order as quickly as possible.
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7.1.3 Limitation of liability We are not liable for any loss or damage arising from this agreement, unless it results from an intentional or gross fault on our part. We are also not liable for any loss resulting from force majeure, cybercrime or cyberthreat, technical failure, unavailability of our systems or any other event beyond our control, unless it results from an intentional or gross fault on our part. Furthermore, we are not liable for any loss or damage resulting from:
We are also not liable to you for indirect, consequential, special or punitive damages where applicable. |
11. c. Guarantees You benefit from our Peace of mind guarantee regarding our online banking services. Details about this guarantee can be found on our website, nbc.ca. We offer no other explicit or implicit guarantee concerning:
Moreover, we do not of fer any war ranty of merchantability, fitness for a particular use or immunity against cybercrime, cyber threats or any other harm targeting our site, systems and devices for accessing our services.
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7.3 Peace of mind guarantee You benefit from our Peace of mind guarantee regarding our online banking services. This guarantee provides for reimbursement of a loss to your account if you follow the security tips. These tips are available on nbc.ca, under the ABCs of Security tab. This guarantee only covers the loss to your account and applies if, after our verification:
We offer no other guarantee regarding:
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Changes to the line of credit account agreement
NEW: Electronic alert
If you have provided us with an email address, we will send you an electronic alert when the credit available in your line of credit falls below $100 or any other amount you may choose. It will also be possible to receive an electronic alert on your mobile phone when this service becomes available.
You can choose not to receive electronic alerts or to modify your preferences (including the amount selected for the alert) through our online banking services.
You can also decline the changes and close your account at no cost, other than the cost of using your account, by visiting any of our branches.
Changes to the Bank holding account agreement
We have drafted a separate agreement for the Bank holding account, which was previously paired with the deposit account.
The agreement has been fully revised without changing the meaning of the clauses in general. This revision incorporates practices linked to the Bank holding account. It specifies:
Version actuelle en vigueur jusqu’au 29 juin 2022 |
Nouvelle version en vigueur à partir du 30 juin 2022 |
Title Contract governing personal deposit and investment accounts |
Title Bank holding account agreement |
1. Features of your account a. Flexible access You can access your account and carry out transactions in various ways, including via:
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Preamble You can access your account:
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B. Your personal investment account We offer a wide range of registered or non-registered investment products. Your investment account is made up of one or more of these investments. The investment features and conditions are given to you at enrolment and are reproduced in the documents you receive at that time. |
NEW Your bank holding account is used exclusively for the purpose of holding bank type investment products and to make transactions associated with these investment products. You can use the cash in your account to carry out banking transactions associated with these investment products. Only the following transactions and services are available from your bank holding account:
You will not be able to complete everyday banking transactions from your bank holding account. For example, you may not use your bank holding account to issue cheques, pay bills, or make payments at merchant terminals. We offer a wide range of investment products. The information about the features and conditions of each of your investment products is provided to you before and during the time of purchase and is reproduced in the documents you receive at that time. |
NEW Your bank holding account does not offer the option of receiving electronic alerts as it is used exclusively for the purpose of holding bank type investment products and to make transactions associated with these investment products. You acknowledge that:
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11. General h. Termination of contract (…) We may terminate this contract via written notice of at least 30 days if:
We can terminate this contract anytime and without notice if you use an account or our services in an unusual, illegal or abusive manner. |
7.6.2. Our right to terminate this contract We may terminate this agreement at any time by sending you a reasonable prior written notice. We can terminate this agreement at any time without notice if:
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9. Some of our rights d. Limitation of our liability Unless other provisions in this contract provide otherwise, you cannot hold us liable for a loss or claim concerning this contract and your account, except if caused by a serious or intentional fault on our part. We are therefore not liable for a loss resulting from:
We are not liable for indirect, consecutive, special or punitive damages. We are moreover not liable for losses resulting from force majeure, an act of cybercrime or cyber threats, technical failure, the unavailability of our systems or any other event beyond our control. In the event of the failure of our services, our responsibility is limited to taking all reasonable business measures to restore them to proper working order as quickly as possible. |
8.1.3. Limite de responsabilité We are not liable for loss or damage arising from this agreement, unless it results from an intentional or gross fault on our part. We are not liable for any loss or damage resulting from:
We are also not liable to you for indirect, consequential, special, and punitive damages where applicable. We are also not liable for any loss resulting from force majeure, cybercrime or cyberthreat, technical failure, unavailability of our systems or any other event beyond our control, unless it results from an intentional or gross fault on our part. |
11. General c. Guaranties You benefit from our Peace of mind guarantee regarding our online banking services. Details about this guarantee can be found on our website, nbc.ca. We of fer no other explicit or implicit guarantee concerning:
Moreover, we do not offer any war ranty of merchantability, fitness for a particular use or immunity against cybercrime, cyber threats or any other harm targeting our site, systems and devices for accessing our services.
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8.3 Peace of mind guarantee regarding our online banking services You benefit from our Peace of mind guarantee regarding our online banking services. This guarantee provides for reimbursement of a loss to your account if you follow the security tips. These tips are available on nbc.ca, under the ABCs of security tab. This guarantee only covers the loss to your account and applies if, after our verification:
We offer no other guarantee regarding:
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13. Our contact information You can reach us:
(…)
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11. Complaint settlement For more information on our complaint settlement process, please visit nbc.ca. Go to the “About Us” section at the bottom of the page and select “Complaint settlement” or call 1-888-835-6281. |
Changes to the credit card agreement
Current version, in effect until June 29, 2022 |
New version, in effect as of June 30, 2022 |
Title Cardholder Agreement |
Title Credit card agreement |
NEW 2.3 Electronic alert As the primary cardholder, you will receive an electronic alert if the credit available in your credit card account falls below $100 or any other amount that you have chosen. You can choose not to receive electronic alerts or change your preferences (including the amount you have chosen for the alert) through our online banking services. |
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12. Unauthorized Use You must inform us immediately:
12.2 Responsibility for unauthorized transactions You will not be responsible for unauthorized transactions made in store, over the phone, online, on a mobile device and transactions at an ATM when: > you have used reasonable care in protecting a card or a cheque associated with your account from loss or theft and. 12.3 Cooperation in an Investigation You must cooperate fully in any investigation surrounding the circumstances of the unauthorized use of your credit card account and, if applicable, file a police report. You allow us to take any measures we deem necessary to recover the card and to report the loss or theft to the appropriate authorities.
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4.4 Your obligation to keep your passwords confidential You must always protect the confidentiality of your PIN and other passwords. You must notify us without delay if the confidentiality of your PIN or other password has been compromised, for example, if you suspect that someone else may know your PIN or password. 4.5 Loss, theft or unauthorized use of the credit card account You must notify us immediately: To notify us, you can use our online banking services to temporarily block or cancel your card and request a new one, or you can communicate with us by calling the telephone number indicated in section 1 of this agreement. You must cooperate fully in any investigation regarding the unauthorized use of your credit card account and, if applicable, file a police report. You authorize us to take any steps we deem necessary to recover the card and to report the loss or theft to the appropriate authorities. 4.6 Your protection against unauthorized use You will not be responsible for the unauthorized use of the card, PIN, account information or cheques. You will however be held responsible if you have demonstrated gross negligence or gross fault in safeguarding the information related to your card or account. If you promptly report the loss or theft of your card, PIN, account information or cheque as specified in sections 4.5 and 4.6, you will not be responsible for any unauthorized use after we receive your report. If we determine that a transaction has been authorized, we may reverse any credit issued to you. You may be held responsible for all losses incurred if you have provided us with false or misleading information. |
18. Cancellation and payment on demand At our discretion: The card credit account is made available at our discretion. We may terminate at any time all or part of the right to use the credit card account, in particular if the terms and conditions of the agreement are not respected. Our recourse: If you fail to comply with the terms and conditions of this agreement, we may cancel this agreement and demand the full or partial repayment of any and all amounts due and exercise all our recourse, including those arising from any collateral. Written notice: Prior to cancelling the agreement, we will send you a written notice and, unless exempted by law, a statement of account. Within 30 days of receipt of this notice, you may remedy the default or file a motion before the court to have the payment conditions of the agreement modified. |
14.1 Our right to terminate your credit Your credit is granted at our discretion. This means that we can terminate the agreement and the right to use the credit card account at any time. If we terminate this agreement, we will send you a written notice with a statement. We will then be entitled to exercise all our remedies, including those arising from a security interest. On receiving the notice, you must: |
For a better banking relationship You have our full attention Your satisfaction is our priority 1) Customer service (…) For complaints related to the protection of your personal information, you can either use the complaint settlement process described previously or contact the Office of the Privacy Commissioner of Canada: Office of the Privacy Commissioner of Canada National Bank of Canada takes privacy seriously and ensures that all the necessary measures are in place to safeguard your personal information. |
17.9 Complaint settlement You have our full attention If you wish to make a complaint, you can contact us by phone or in writing as indicated in section 1 of this agreement. Your satisfaction is our priority If we are unable to resolve your complaint within 14 days, it will automatically be escalated to our Client Complaint Appeal Office. If you received a response within the prescribed timeframe, but your complaint was not resolved to your satisfaction, please contact the Client Complaint Appeal Office: Other recourse ADR Chambers — Banking Ombuds Office If you are not satisfied with the decision of the Client Complaint Appeal Office, or if it was unable to resolve your complaint within 56 days, you can contact the external complaints body: P.O. Box 1006 31 Adelaide Street East, Phone: 1-800-941-3655 | Fax: 1-877-803-5127 Financial Consumer Agency of Canada (FCAC) If, at any time, you have a complaint regarding a possible failure to respect consumer provisions, you can contact the FCAC: For more information on our complaint settlement process, please visit nbc.ca. Go to the “About Us” section at the bottom of the page and select “Complaint settlement”. |
You can also decline the changes and close your account at no cost, other than the cost of using your account, by visiting any of our branches.
New: Notice of automatic renewal of your Guaranteed Investment Certificate (GIC)
As of June 30, 2022, you will receive 1 or, depending on the situation, 2 notices for the automatic renewal of your GIC without signing a new agreement.
We would like to draw your attention to certain aspects of these renewals:
If your GIC has a term of 30 days or less and contains a renewal clause that does not require you to sign a new agreement:
You will receive a notice of automatic renewal at least 5 days before your GIC’s expiry date.
If your GIC has a term of more than 30 days and contains a renewal clause that does not require you to sign a new agreement:
You will receive 2 notices of automatic renewal:
What you need to do when you receive a notice of renewal
Look over the renewal conditions for your GIC which will be
indicated in the notice.
If you agree to the renewal conditions indicated in the notice, you do not need to do anything. Your GIC will be renewed automatically when it expires according to the conditions indicated in your renewal notice.
Keeping your personal information secure and protected is among our highest priorities. That’s why on May 28, 2022, we’ll be implementing our new privacy policy, inspired by the best practices in the security industry.
By continuing to use our banking services, you consent to the update to the privacy policy, which will allow us to share your information between National Bank and its subsidiaries for an optimized client experience.
You can manage your privacy settings at any time via our online services or with the help of one of our experts.
To learn more about our policies and best practices for fraud prevention, check out our ABCs of online security
We have reviewed our call centre hours.
Effective October 25, 2021, our hours of operation for investment services will be as follows:
1- 888-270-3941
Monday to Thursday, from 8:00 a.m. to 6:00 p.m (ET)
Friday, from 8:00 a.m. to 5:00 p.m (ET)
To purchase mutual funds, modify your systematic savings plan or check your account balance, sign in to your online bank or to the National Bank application.
The current situation has led National Bank to implement various measures to help you manage your finances.
On April 6, 2020, we decided to lower the interest rate for exceeding the limit on All-In-One lines of credit.
Good news
We are keeping this measure permanently.
If the credit limit or set sub-limit is exceeded, the applicable interest rate is now the following:
Previous rate | Current rate |
Date of change |
21% | Two times the variable rate applicable to your line of credit. Consult your line of credit agreement or monthly statements to find out the variable rate on your line of credit. |
April 6, 2020 |
Previous rate |
Current rate |
Date of change |
21% |
Two times the variable rate applicable to your line of credit. Consult your line of credit agreement or monthly statements to find out the variable rate on your line of credit. |
April 6, 2020 |
Sample calculation of charges
For a $25 overlimit and a variable rate of 3.45%
Annual interest fees until April 5, 2020: $25.00 X 21% = $5.25
Annual interest fees as of April 6, 2020: $25.00 X 6.9% = $1.50
You can also review the changes by consulting the All-In-One Line of Credit Guide.
As of April 19, 2021, we will be making changes to some of our banking solutions.
At the same time, a new version of the Fee Guide - Personal Banking Solutions will be available to reflect these changes.
Please note that depending on your banking habits and solutions, it is possible that none of the changes will apply to your account.
Good news for clients aged 18 to 24
Starting April 19, 2021, all clients aged 18 to 24 will receive a discount of up to $15.95 per month on all packages, regardless of their status.
Previously, only full-time students aged 18 to 24 could benefit from the discount on monthly fees upon presentation of their proof of studies.
THE MODEST®
Until April 18, 2021 |
As of April 19, 2021 |
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Fees |
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Flat monthly fee | $9.95 | $10.95 |
Specific discounts on monthly fees4 | ||
0 to 17 years old | $9.95 discount | $10.95 discount |
18 to 24 years old | $9.95 discount* | $10.95 discount |
Until April 18, 2021 |
As of April 19, 2021 |
Fees |
Flat monthly fee |
$9.95 |
$10.95 |
Specific discounts on monthly fees4 |
0 to 17 years old |
$9.95 discount |
$10.95 discount |
18 to 24 years old |
$9.95 discount* |
$10.95 discount |
*This discount used to apply only to full-time students aged 18 to 24.
Tip!
To be exempted from fixed monthly fees, maintain a minimum balance of $3,000 for The Modest.
THE CONNECTED®
Until April 18, 2021 | As of April 19, 2021 | |
Fees | ||
Flat monthly fee | $14.95 |
$15.95 |
Specific discounts on monthly fees4 | ||
0 to 17 years old | $9.95 discount | $10.95 discount |
18 to 24 years old | $9.95 discount* | $15.95 discount |
Until April 18, 2021 |
As of April 19, 2021 |
Fees |
Flat monthly fee |
$14.95 |
$15.95 |
Specific discounts on monthly fees4 |
0 to 17 years old |
$9.95 discount |
$10.95 discount |
18 to 24 years old |
$9.95 discount* |
$15.95 discount |
*This discount used to apply only to full-time students aged 18 to 24.
Tip!
To be exempted from fixed monthly fees, maintain a minimum balance of $4,500 for The Connected.
THE TOTALTM
Until April 18, 2021 | As of April 19, 2021 | |
Other services | ||
Statement by mail |
$2.50/month per account |
Free |
Stop payments: - With complete information - With partial information - For a series of cheques or pre-authorized debits (max. 12) |
Service charge of up to $30.00 |
Free |
Fees | ||
Flat monthly fee | $25.95 | $28.95 |
Specific discounts on monthly fees4 | ||
0 to 17 years old | $9.95 discount | $10.95 discount |
18 to 24 years old | $9.95 discount* | $15.95 discount |
Other benefits | ||
Discount on the annual cost of a safety deposit box | $5.00 | $10.00 |
Opening of a first safety deposit box sized 1 ½ in. x 5 in. x 24 in. | N/A (available with a service charge of up to $55.00) | - First year: Free - As of second year: $10.00 off the annual cost |
Until April 18, 2021 |
As of April 19, 2021 |
Other services |
Statement by mail |
$2.50/month per account |
Free |
Stop payments: - With complete information - With partial information - For a series of cheques or pre-authorized debits (max. 12) |
Service charge of up to $30.00 |
Free |
Fees |
Flat monthly fee |
$25.95 |
$28.95 |
Specific discounts on monthly fees4 |
0 to 17 years old |
$9.95 discount |
$10.95 discount |
18 to 24 years old |
$9.95 discount* |
$15.95 discount |
Other benefits |
Discount on the annual cost of a safety deposit box |
$5.00 |
$10.00 |
Opening of a first safety deposit box sized 1 ½ in. x 5 in. x 24 in. |
N/A (available with a service charge of up to $55.00) |
- First year: Free - As of second year: $10.00 off the annual cost |
*This discount used to apply only to full-time students aged 18 to 24.
Starting summer 2021, a legal and estate telephone assistance service, offered through one of our specialized partners, will be available to clients with The TotalTM banking package.
The goal? To put you in touch with a legal expert, as often as necessary, to guide you and answer your questions in several areas, as well as at different moments in your life, such as:
- Buying or selling property
- Family law
- Labour law
- Contracts and consumer goods
- Estate settlement
- And much more!
As soon as this service is available, visit the Chequing accounts and packages page to find out more.
Tip!
To be exempted from fixed monthly fees, maintain a minimum balance of $6,000 for The Total.
Changes to our banking fees
Until April 18, 2021 | As of April 19, 2021 | |
Service charges |
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Outgoing wire transfers9, 10 - Branch services |
0.34% of the amount11 (Min. $15.00 to max. $60.00) (transfer fees not included) |
0.34% of the amount11 (Min. $20.00 to max. $70.00) (transfer fees not included) |
Incoming wire transfers from inside or outside Canada9 - $100.00 and under - $100.01 to $100,000.00 - $100,000.01 to $1,000,000.00 - $1,000,000.01 and over |
$5.00 $15.00 $20.00 $25.00 |
$5.00 $20.00 $20.00 $25.00 |
Until April 18, 2021 |
As of April 19, 2021 |
Service charges |
Outgoing wire transfers9, 10 - Branch services |
0.34% of the amount11 (Min. $15.00 to max. $60.00) (transfer fees not included) |
0.34% of the amount11 (Min. $20.00 to max. $70.00) (transfer fees not included) |
Incoming wire transfers from inside or outside Canada9 - $100.00 and under - $100.01 to $100,000.00 - $100,000.01 to $1,000,000.00 - $1,000,000.01 and over |
$5.00 $15.00 $20.00 $25.00 |
$5.00 $20.00 $20.00 $25.00 |
Changes to our Interac e-Transfer® service
Until April 18, 2021 | As of April 19, 2021 | |
Service charges |
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Cancelling an Interac e-Transfer® |
Free |
$3.50/transfer |
Sending an Interac e-Transfer (in addition to any applicable Interac e-Transfer fees) |
$1.00/transfer |
$1.25/transfer |
Until April 18, 2021 |
As of April 19, 2021 |
Service charges |
Cancelling an Interac e-Transfer® |
Free |
$3.50/transfer |
Sending an Interac e-Transfer (in addition to any applicable Interac e-Transfer fees) |
$1.00/transfer |
$1.25/transfer |
Changes to our offer for newcomers12
Until April 18, 2021 | As of April 19, 2021 | |
Flat monthly fee from account opening |
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Year 1 |
Free | Free |
Year 2 50% discount on flat monthly fee |
$7.48 |
$7.98 |
Year 3 25% discount on flat monthly fee |
$11.21 | $11.96 |
Year 4 Flat monthly fee |
$14.95 | $15.95 |
Until April 18, 2021 |
As of April 19, 2021 |
Flat monthly fee from account opening |
Year 1 |
Free |
Free |
Year 2 50% discount on flat monthly fee |
$7.48 |
$7.98 |
Year 3 25% discount on flat monthly fee |
$11.21 |
$11.96 |
Year 4 Flat monthly fee |
$14.95 |
$15.95 |
Tip!
Pay no monthly fees for 3 years by signing up for certain products and services.
Changes to our safety deposit box fees13
Until April 18, 2021 | As of April 19, 2021 | |
Annual fee |
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1 ½ in. x 5 in. x 24 in. | $55.00 | $60.00 |
2 ½ in. x 5 in. x 24 in. |
$75.00 | $90.00 |
3 ¼ in. x 5 in. x 24 in. |
$75.00 | $90.00 |
2 ½ in. x 10 ⅜ in. x 24 in. |
$110.00 |
$120.00 |
5 in. x 5 in. x 24 in. | $110.00 | $120.00 |
5 in. x 10 ⅜ in. x 24 in. | $190.00 | $220.00 |
5 in. x 15 in. x 24 in. | $215.00 | $240.00 |
10 in. x 10 ⅜ in. x 24 in. | $280.00 | $300.00 |
Until April 18, 2021 |
As of April 19, 2021 |
Annual fee |
1 ½ in. x 5 in. x 24 in. |
$55.00 |
$60.00 |
2 ½ in. x 5 in. x 24 in. |
$75.00 |
$90.00 |
3 ¼ in. x 5 in. x 24 in. |
$75.00 |
$90.00 |
2 ½ in. x 10 ⅜ in. x 24 in. |
$110.00 |
$120.00 |
5 in. x 5 in. x 24 in. |
$110.00 |
$120.00 |
5 in. x 10 ⅜ in. x 24 in. |
$190.00 |
$220.00 |
5 in. x 15 in. x 24 in. |
$215.00 |
$240.00 |
10 in. x 10 ⅜ in. x 24 in. |
$280.00 |
$300.00 |
How can I choose or change my banking package online?
You can sign up for a new package or change your package from your online bank:
How do I benefit from the discount for 18 to 24 year-olds?
You don’t have to do anything. As of April 19, 2021, all clients aged between 18 and 24 years will automatically have a discount of up to $15.95 depending on their package.
Do I have to provide proof of full-time studies to benefit from the discount for 18 to 24 year-olds?
No. As of April 19, clients aged 18 to 24 won’t need to provide proof of full-time studies to benefit from the discount.
Can I minimize the service charges for sending Interac e-Transfers®?
Yes, you can even save on these fees. Interac e-Transfers® are included, free and unlimited with all banking packages, including for professionals and newcomers.
4. When transactions are indicated as being included, they are included as long as the maximum number of transactions included in the package has not been reached. Any transaction over the maximum as well as any transaction or service that is not indicated in the table but for which our pricing guide sets out fees will be charged based on the applicable pricing for your account or based on the general pricing set out in the “Breakdown of Service Charges” section.
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. Fees apply to the Interac e-Transfer itself if you exceed the number of transactions included in your package or offer.
7. Discounts are applied upon presentation of supporting documents.
8. Subject to credit approval by National Bank of Canada. Certain conditions apply. For more information, visit nbc.ca.
9. Certain banking correspondents may collect additional fees from the wire transfer sent.
10. In USD if the wire transfer is in USD.
11. Wire transfer fees are calculated on the amount sent and converted into the currency of the account (USD or CAD).
12. To benefit from this offer, newcomers must sign up no later than 60 months after their arrival in Canada.
13. Taxes not included. The annual fee covers the period from January 1 to December 31 and is charged in January. Safety deposit boxes in sizes other than those listed may be available at your branch.
® THE MINIMALIST, THE MODEST, THE CONNECTED, NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.
TM THE TOTAL is a trademark of National Bank of Canada.
® MASTERCARD and CIRRUS are registered trademarks of Mastercard International Inc. Authorized user: National Bank of Canada.
® INTERAC and INTERAC e-TRANSFER are registered trademarks of Interac Corp. Used under licence.
® THE EXCHANGE is a registered trademark of Fiserv Inc.
® MASTERCARD, WORLD MASTERCARD and WORLD ELITE are trademarks of Mastercard International Inc. National Bank is an authorized user.
®National Bank All-in-One, ® Personal Flex Line and ® SECURIZONE are registered trademarks of National Bank of Canada.
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