Health Sciences Specialists and Students

We take care of you

To help you take care of the people who rely on you, National Bank offers an exclusive financial package for health sciences specialists and students:

audiologists, dental hygienists, denturists, medical radiation, technologists, medical technologists, midwives, occupational therapists, opticians, pharmacologists, physiotherapists, psychologists, respiratory therapists, speech-language pathologists, osteopaths, social workers (including marital/couple and family therapists), ambulance technicians/paramedics, dietitians/nutritionists, chiropodists (CWA only).

You’ll get a host of advantages on your bank account, as well as your financing and investment solutions. You’ll also obtain advantageous interest rates on your lines of credit, mortgages and investments. We'll provide sound banking solutions for your personal and professional needs!

Advantages for professionals

Offre pour les professionnels des métiers de la santé
economies-argent-ico

Save1 with our exclusive bundle for health sciences specialists.

Up to three bank accounts and unlimited transactions

Get up to three CDN$ or US$ bank accounts2 with no monthly service fees and unlimited transactions on most of the automated services you use on a daily basis.

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MasterCard credit cards for the world traveler in you

The Platinum MasterCard®,3 gives you the flexibility to travel when and where you want with total freedom and peace of mind. You can redeem your points for any service offered by a travel agency or airline, including those online. You can even take advantage of last-minute discounts!

Fill out the credit card application form and bring it to your advisor with a proof of your professional status.

When you sign up for the additional4 MasterCard credit card, your spouse will also be able to benefit from the associated privileges. 

Learn more

Financing solutions at an advantageous interest rate

Financing solutions tailord to your needs

A flexible line of credit
Offered at an advantageous interest rate, the Personal Flex Line®1,5 allows you to use your funds with complete freedom. Accessible at any time, it prevents you from having to submit a new loan application for every new project you begin, enabling you to take rapid action.

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Mortgage financing

We know your situation is unique. That’s why we offer flexible mortgage financing solutions that meet your specific needs.

  • National Bank mortgage loans5 allow you to combine several mortgage financing solutions while enjoying advantageous interest rates.
  • The All-In-One BankingBankingTM1,5 line of credit, offered at an advantageous rate, allows you to manage your financing needs, bank accounts and short-term cash via a single solution.

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Investment solutions with preferential conditions

Rewarding investments, managed your way

Whether you are looking for full-service brokerage solutions for your Wealth Management needs, direct brokerage solutions, or financial planning, investment portfolio management and asset management services, we offer a full range of investment solutions.

National Bank’s team of specialists can help you manage your investments based on your autonomy, financial objectives and investor profile. 

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Essential tools for entrepreneurs

Do you have an entrepreneurial spirit? Our specialized team can assist you in your business activities. National Bank also offers numerous investment and financing solutions to simplify your life.

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Eligibility Requirements

To be eligible for the financial package for health sciences specialists, you must:

  • Be an audiologist, a dental hygienist, a denturist, a medical radiation technologist, a medical technologist, a midwife, an occupational therapist, an optician, a pharmacologist, a physiotherapist, a psychologist, a respiratory therapist or a speech-language pathologist, osteopath, social worker (including marital/couple and family therapists), ambulance technician/paramedic, dietitian/nutritionist, chiropodist (CWA only).
  • Have a National Bank account and a credit card associated with the package6;
  • Provide proof of your professional status.
   

Advantages for students

Offre pour les étudiants en métiers de la santé
economies-argent-ico

Save7 with our exclusive bundle for students in health sciences.

A bank account with unlimited transactions

Get a CDN$ or US$ bank account2 with no monthly services fees and unlimited transactions on most of the automated services you use on a daily basis.

Learn more

A MasterCard credit card for the world traveller in you

A flexible, rewarding tool, the National Bank Platinum MasterCard®,3 lets you travel with complete freedom and peace of mind. This credit card is offered free of charge for the first two years8.

Fill out the credit card application form and bring it to your advisor with a proof of your status as a full-time student.

Privileges extended to your spouse when signing up for the additional4 MasterCard credit card, your spouse will also be able to benefit from the associated privileges.

Learn more

An accessible and reassuring Student Line of Credit

The National Bank Student Line of Credit9 is a convenient and flexible solution for financing all your annual tuition and education-related expenses.

Main advantages :

  • Advantageous interest rate;
  • Credit limit established according to your needs and your level of studies9;
  • Available funds accessible at all times;
  • Only the interest on the principal used and the insurance premiums (if any) have to be repaid monthly while you are a full-time student;
  • Repayment period of your Student Line of Credit established according to your unused balance;
  • Option of deferring principal payments for up to 12 months after you complete your studies, within your credit limit. However, interest accrues during that period.

Learn more

Annual credit limit:

Level Amount authorized
per year1
Maximum amount authorized
College or professional school

Between $3,000 & $4,000

Between $9,000 & $12,000

University undergraduate
(Bachelor's degree)

Between $5,500 & $7,500

Between $22,000 & $30,000

University graduate
(Master' or Ph.D.)

Between $6,000 & $8,000

Between $25,000 & $40,000

† The amounts vary according to the province where you study.

Eligibility Requirements

To be eligible for the financial package for health sciences students, you must:

  • Be a full-time student in Canada;
  • Visit your branch once a year to update your file. Two pieces of identification, a proof of status as a full-time student and your most recent transcripts will be requested.
  • Have a bank account eligible for the package6.
 

Questions?

Call 514-394-5555 or 1-888-4-TelNat

Legal notes

 

1 * Subject to credit approval by National Bank. The package constitutes a benefit granted to holders of a National Bank Platinum, World Mastercard®, or World Elite® Mastercard® credit card.  As an example, a package holder can potentially save up to $1,024 per year. This figure is based on the typical profile of a package holder who has the following: a banking package equivalent to the Virtuoso® package, a World Elite® Mastercard® credit card, a National Bank All-In-One Banking™ mortgage line of credit with a current annual balance of $150,000, and a personal line of credit with a current annual balance of $25,000, all with a good credit rating from credit bureaus. 

The savings were calculated as follows: no monthly transaction fees included in the Virtuoso® package (annual savings of $299), plus an annual 0.25% discount on the All-In-One Banking line of credit rate (annual savings of $375), plus an annual 2.00% discount on the personal line of credit rate (annual savings of $500), minus the annual fee for the World Elite® Mastercard® credit card for one year. These discounts represent the difference between what a client who is not a package holder might have and what a package holder might have. Some eligibility requirements apply; for more details, go to nbc.ca/health-specialist. These potential savings may not match your net savings, as they vary according to your financial situation. 

2 Bank account with chequing privileges.

3 Subject to credit approval by National Bank of Canada. Certain conditions apply. Grace period: No interest will be charged on the purchases made during the month if the balance is paid in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances and balance transfers. Minimum payment:Your minimum payment will correspond to 3% of your account balance plus any amount already due or $10, whichever amount is higher. If your account balance is lower than $10, you must pay the entire balance. If you exceed your credit limit, the amount of the minimum payment will be the highest of the following amounts: (a) 3% of the account balance or (b) the amount of the overlimit. Account statement: a statement of account is sent on a monthly basis.

Examples of interest charges for a 30-day period at the rate applicable on July 12, 2016 :

Annual interest rate Average balance
  $500 $3,000
19.99% $8.22 $49.29
22.99% $9.45 $56.69

4 For financial packages, only the spouse of the primary cardholder is eligible for an additional card.

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

6 National Bank reserves the right to cancel, without notice, the discounts and other advantages offered with the financial package if the client closes his eligible bank account or cancels his eligible MasterCard account and replaces them with a bank account or MasterCard account that is not eligible for the package.

7 * Subject to credit approval by National Bank. As an example, a package holder can potentially save up to $408 per year. This figure is based on the typical profile of a package holder who has the following: a banking program equivalent to the ClickStudent® program (ClickStudent® is available to full-time postsecondary students age 18 to 24; other banking packages and programs are also available) and a bank-authorized Student Line of Credit with guarantor with a current annual balance of $30,000. 

The savings were calculated as follows: no monthly transaction fees included in the ClickStudent® program (annual savings of $33), plus an annual 1.25% discount on the Student Line of Credit rate (annual savings of $375). These discounts represent the difference between what a client who is not a package holder might have and what a package holder might have. Some eligibility requirements apply; for more details, go to nbc.ca/health-specialist-student. These potential savings may not match your net savings, as they vary according to your financial situation.

8 Two years after the card is issued, the annual fee in effect at that time will be billed automatically and will appear on the account statement of the Platinum MasterCard. On February 1, 2015, the annual fee was $125. Offer not renewable.

9 Subject to credit approval by National Bank of Canada. Certain conditions apply. A guarantor who meets the Bank's criteria may be required. The annual amount is based on your personal budgetary requirements.

® MasterCard is a registered trademark of MasterCard International Inc. Authorized user: National Bank of Canada.

®1 Personal Flex Line and Virtuoso are registered trademarks of National Bank of Canada.

TM World Elite is a trademark of MasterCard International Inc. Authorized user: National Bank of Canada.
TM1 National Bank All-In-One Banking is a trademark of National Bank of Canada.

® MASTERCARD, WORLD MASTERCARD, and WORLD ELITE are registered trademarks of Mastercard International Incorporated, used under licence by National Bank of Canada.

® VIRTUOSO is a registered trademark of National Bank of Canada.

™ NATIONAL BANK ALL-IN-ONE BANKING is a trademark of National Bank of Canada.

® CLICKSTUDENT is a registered trademark of National Bank of Canada.