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Chequing accounts and packages

Get up to $350 to treat yourself after opening an eligible chequing account

Offer for non-chequing account holders. See conditions ↓

Take advantage ↓

Find the package that's right for you

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Need help choosing your account?

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Discover our exclusive rates1

Show me the fees for
regular clients (age 18-59)
  • regular clients (age 18-59)
  • young people (age 0-17)
  • students (age 18-24)
  • seniors (age 60+)

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Sending an Interac e-Transfer®4
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Enjoy a range of exclusive benefits with our special offers.

Nouveaux Arrivants


Just arriving or planning to settle in Canada.

Nouveaux Étudiants


Focusing on your studies with a limited budget.



Access attractive packages and special offers with your Business account.

Picto sante

Health professional

Take advantage of personalized banking packages and offers.

Picto Genie

Engineering professional

Take advantage of personalized banking packages and offers.

Picto Affaires

Liberal professional

Benefit from banking packages designed for your specific needs.

Magic wand tip icon


Finance your plans and protect yourself against overdrafts with the Integrated line of credit.

The Bank protects your accounts

What the Bank does to protect you

National Bank has put in place services to protect the access to your online bank and to secure your chequing accounts.

Learn more

What you can do to protect yourself

Start adopting the right habits to protect the access to your chequing accounts and prevent fraud.

View measures

Little details that matter

Offer conditions

The promotional offer is valid from August 3, 2020 to November 30, 2020 (“promotional period”).

The offer is intended for all persons without any chequing account at National Bank.

The offer may be modified, extended, or withdrawn without prior notice at any time. You must have reached the age of majority at the time of your enrollment in the covered products. Employees of National Bank and its subsidiaries and entities are not eligible.

The offer may not be combined or used with any other National Bank offer, promotion or benefit and cannot be applied retroactively. There is a limit of one cashback per eligible product during this promotion. The client cannot benefit of the offer more than once. Only the primary account holder is eligible for the offer. The actual secondary account holders that open a new account are not eligible to the offer. The cashback amount varies according to the conditions fulfilled.  

Cashback details

To be eligible to the offer you must open a new chequing account with an eligible package described below or sign up to an Offer for Professionals or an Offer for Students and fulfill the conditions. 

Eligible products 1st Cashback after opening an eligible chequing account Additional cashback with a recurring and automatic direct deposit to the account Maximum and total Cashback
Offers for Professionals & Offer for Students $50 +$50 $100
The ConnectedTM $100 +$200 $300
The TotalTM $150 +$200 $350

1st Cashback conditions.

After opening your new chequing account and choose an eligible product you must: 

  • Sign up to online banking and to online bank statement
  • Carry out at least one transaction in your chequing account (Interest and banking fees charged to the account are not considered eligible transactions.)

Conditions to obtain the additional cashback.

You must:

  • Set up one (1) recurring and automatic direct deposit of your payroll or monthly recurring pension

You benefit of 60 days following the chequing account opening to meet the offer conditions and obtain the cashback.

Cashbacks will be done in one (1) deposit in your new National Bank chequing account within 120 days of the opening date of your chequing account.


To be granted the cashback, you must maintain the eligible products and services, and not make any changes related to these products and services for a minimum of 12 months after signing up for them. If you do not meet this condition, you will have to repay to the Bank an amount corresponding to the period in which you did not keep your eligible products and services, within 30 days of receiving the request for payment. 

Clients who have benefit from a cashback offer on their chequing account since November 1st 2017 are not eligible to this offer.

Legal disclaimers

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

® Interac e-Transfer is a registered trade-mark of Interac Corp. Used under licence.

1. For more details, consult the Fee Guide.

2. 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.

3. Transactions carried out at our branches during normal business hours.

4. If you do not have one of  the packages (The Connected, The Total, The Modest, The Minimalist, or the offer for professionals or students) or if you exceed the number of transactions included in your package, a fee of $1 may apply when you send money via Interac e-Transfer. The transfer must be sent to a bank account held at a participating Canadian financial institution. Refer to the Guide to Personal Banking Solutions for more information.

5. Subject to credit approval by National Bank of Canada. Credit charges are not waived with this package. For more information on the Integrated Line of Credit, click here.

6. Minimum 12-month rental in Canada. Certain conditions apply.

7. Applicable conditions:

  • For all packages: discounts are applied upon presentation of supporting documents.
  • For The Modest, The Connected and The Total: the Student discount is for full-time students, aged 18 to 24 inclusively, attending a post-secondary institution, upon presentation of identity documents (proof of age), proof of full-time student status (proof of registration, course schedule or transcripts). Only for individual account holders. The package is validated annually by presenting the above documents.
  • For The Minimalist package: No fees for Young people aged 0 to 17 upon presentation of identity documents (proof of age); no fees for Student aged 18 to 24 upon presentation of identity documents (proof of age) and proof of full-time student status (proof of registration, course schedule or transcripts); no fees for Seniors aged 65 and over upon presentation of eligibility for the Guaranteed Income Supplement; no fees for beneficiaries (aged 18 and over) of a Registered Disability Savings Plan (RDSP) upon presentation of proof of eligibility for an RDSP. To continue benefiting from no-fee banking, students must renew their package annually by presenting the above documents.

Practical details


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 is charged.


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].

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 coercive tied selling [PDF].

Canada Deposit Insurance Corporation

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

FCAC account selector tool

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

Other accounts that might interest you

Business accounts

Discover our accounts for businesses and the self-employed.

See all business accounts

Savings account

Great for short-term saving—access your funds at any time.

See savings account

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