Offer for public service workers

Benefits for employees and retirees of the public service, Crown corporations, and military. 

Up to $1,313

in annual savings 5


Annual credit card fees apply.

Discover our special offer

  • Up to 3 bank accounts with no fixed monthly fees2
  • Personal and home equity lines of credit 3 with preferred terms and conditions
  • Legal assistance and services to take precautions against identity theft included
  • Access to a financial planner 4
  • An eligible Mastercard® rewards credit card1

Offer for public sector employees in detail

Save up to $1,313 annually 5 with this banking offer. Take advantage of no fixed monthly fees for up to 3 accounts 2 when you apply for an eligible Mastercard credit card. You’ll also benefit from products and services at preferred rates.

Picto of flags stacked on one another with a dollar sign representing the accounts

3 accounts with no fixed monthly fees

Your accounts will include:

  • Unlimited electronic 6 and in-branch 7 transactions
  • Unlimited and free Interac e-Transfer ®
  • Overdraft protection
  • Access to over 2,500 ABMs in THE EXCHANGE® network at no extra cost


Picto of a Mastercard credit card

Rewards credit card

Eligible credit cards:

World Elite ® Mastercard ® credit card

World Mastercard ® credit card

Platinum Mastercard ® credit card

Your spouse can also enjoy the benefits of the offer with an additional card.

Benefit from advantageous terms on your loans

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Personal Flex Line

A line of credit that can be accessed at any time to realize a project without having to reapply for a loan.

With the offer


Preferred interest rate (prime rate of ${p1.tauxBase|percent:"true"} + 0.75%) 8


Management fees 9

Without offer


(prime rate of
${p1.tauxBase|percent:"true"} + 4%)


Management fee 9

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National Bank All-In-One

A home equity line of credit that groups together your bank accounts and your short-term cash and financing needs.

With the offer


Preferred interest rate (prime rate of ${p1.tauxBase|percent:"true"} + 0.5%) 8


Management fees 9

Without offer


(prime rate of ${p1.tauxBase|percent:"true"} + 1%)


Management fee 9

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Take advantage of the typical prepayment benefits associated with a mortgage. You have the flexibility to increase your payments or repay up to 10% of the principal amount borrowed each year without incurring any penalties. For more information, consult your advisor.

Take advantage of preferred services

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Free legal assistance

In partnership with FBA Solutions, access lawyers by phone and get legal information in a wide range of areas.

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Precautions against identity theft

Take advantage of a 20% discount on the Securizone® or Securizone 360™ plan 11 and access tools and support services to better protect your identity.

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Investment and retirement advice

Meet with a financial advisor at no extra cost to help guide your investment and retirement decisions with solutions tailored to your needs.

Eligibility criteria for the offer

Full-time employees and retirees receiving benefits from one of the following Canadian employers are eligible: federal, provincial, or municipal public service (including ministries and organisms), Crown and para-municipal corporations, as well as members of the Canadian military*.

You must provide proof of employment or pensioner status with an eligible employer to qualify for this banking offer.

*  Including current reservists, current and former members of the Canadian military

Why choose National Bank?

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Personalized advice for your banking needs

Get in-depth advice at one of our branches, over the phone, or online.

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A mobile-friendly experience

The National Bank app is highly rated in the App Store ® and Google Play ® and lets you manage your finances at your fingertips.

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Banking benefits for your spouse

By applying for an additional Mastercard credit card, your spouse can also take advantage of this offer and enjoy the same benefits as you.

How can I benefit from the offer for the public sector?

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Make an appointment

Contact one of our advisors to help you get started.

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Prepare your proof of employment

You will be asked to provide proof of your employment in the public sector. Make sure you have it on hand.

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Choose your products and services

Select the products and services included in the offer with the help of your advisor.

We’re here to support you

Some helpful tips

Our articles and videos will help you make sense of your finances and take control of your credit, housing, retirement, and more.

Little details that matter

®THE EXCHANGE is a registered trademark of Fiserv Inc. 

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

®The Personal Flex Line, the All-In-One and THE TOTAL are registered trademarks of National Bank of Canada.

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

®Interac is a registered trademark of Interac Inc. Used under licence.

®App Store and Google Play are respectively trademarks of Apple Inc. and Google LLC.

1. Eligible credit cards: Platinum, World or World Elite National Bank Mastercard credit card. Credit card is issued subject to credit approval by National Bank of Canada. Certain conditions apply.

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.

2. Bank account with chequing privileges. Certain services, such as the passbook and paper statement by mail, are not included. Included services and fees for unrelated services are indicated in our Fee Guide.

3. Financing subject to credit approval by National Bank. Certain conditions apply.

4. Financial planning services are offered through subsidiaries of National Bank. Financial Planners provide their services on behalf of National Bank Investments Inc., a wholly owned subsidiary of National Bank of Canada.

5. Subject to credit approval by National Bank. The discount is offered to holders of a National Bank Platinum, World Mastercard® or World Elite® Mastercard® credit card. The $1,313 in annual savings is provided as an example only to illustrate what a holder could save with the offer. It is based on the typical profile of a client who has the following products: two bank accounts equivalent to The Total® package, with the individual Securizone product, a World Elite® Mastercard® credit card, a National Bank All-In-One® home equity line of credit with an annual balance of $150,000, and has a good credit rating.

Savings are calculated as follows: No monthly fee for transactions included in the The Total® package (annual savings of $694 for two active chequing accounts), plus an annual discount on the individual Securizone product (annual savings of $19), plus an annual discount of 0.50% on the All-In-One® line of credit rate (annual savings of $750), plus no fee for the World Elite® Mastercard® credit card for the first year (savings of $150). These savings represent the difference between what a client with the offer and a client without it would pay. Certain conditions apply. Potential savings may not reflect the net savings that you will receive; this amount will vary based on your financial situation.

6. 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.

7. Transactions carried out at our branches during business hours.

8. Subject to credit approval by National Bank. Upon receipt of each statement, the borrower must pay a minimum installment to National Bank that corresponds to the sum of the interest and insurance premiums charged to the account for the period covered by the statement, and any other amount required to ensure the account's debit balance does not exceed the credit limit. This minimum installment must be made without using the line of credit.

9. This offer must be renewed annually on presentation of identification and proof of professional status or claim status.

Monthly account statement. No management fees. The Personal Flex Line® rate is established by the prime rate, plus a spread established by the client’s credit history. As a guideline, the applicable rate for a typical Personal Flex Line is comprised of the prime rate + 4%. 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 January 22, 2024.

    Average balance 
$500 $3,000
Typical Personal Flex Line*
Prime rate + 0.75% (7.95%)

Note that the prime rate can change. For more information on the current rate, please visit

* Example based on a Personal Flex Line between $5,000 and $24,999 (base rate + 4%).

10. Subject to credit approval by National Bank. This rate is variable and corresponds to Prime + 1% (without the offer) or Prime + 0.5% (with the offer), and is one of the lowest rates on the market.

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 $CAD. Visit for the rate in effect.

11. Discount is applicable to the standard rates of the Securizone or Securizone 360 plans for as long as you benefit from an exclusive offer. If you no longer benefit from an exclusive offer, you must agree to pay the applicable regular rate in order to continue to benefit from the plan. NBC Assistance Inc. reserves the right to terminate or modify this offer at any time. Please consult the rates and other applicable conditions on the Securizone page.