Offer for teachers

It’s time to get ahead: benefit from attractive rates on your banking products and services

Make an appointment

See the eligibility criteria

Up to $1,330

in annual savings1

3 accounts with no fixed monthly fees2 

with an eligible Mastercard® credit card3

Exclusive assistance services

Legal assistance and identity theft protection

Borrowing and investment products

with advantageous terms

A complete banking offer

No more headaches with multiple account applications. With our complete offer for teachers, apply once and enjoy a wide range of benefits, including a Mastercard credit card of your choice, and À la carte products and services. 

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3 bank accounts

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1 credit card

Enjoy three bank accounts

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3 bank accounts

0 $/month2

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$347 in savings/year1

  • Unlimited branch and electronic transactions4, 5

  • Unlimited and free Interac e-Transfers® 

  • Overdraft protection

  • First order of 100 personalized cheques free (tax and shipping not included)

  • Access to THE EXCHANGE® network ABMs at no extra cost

Choose your Mastercard credit card

LIMITED TIME OFFER

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World Elite Mastercard

Annual fee

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  • Unlimited access with a guest to the National Bank Lounge
  • $150 refund on travel expenses 
  • Rental car insurance up to 48 days and travel insurance up to 60 days

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World Mastercard

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  • Rewards program
  • Travel insurance up to 60 days
  •  Purchase insurance
     

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LIMITED TIME OFFER

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Platinum Mastercard

Annual fee

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  • Rewards program
  • Travel insurance up to 10 days
  • Purchase insurance
     

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Ready to take advantage of the offer? Complete the online form and an advisor will contact you to make an appointment.

Make an appointment

Other À la carte products and services

Good news! Many other optional products and services are available to you according to your needs and at your convenience.

Preferred value-added services

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SECURIZONE®

Get a special rate of 20% or 50% off the SECURIZONE® product selected8. Take advantage of tools and services to protect yourself against identity theft and fraud.

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Up to $90 in savings/year9

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Legal assistance

Unlimited access to legal assistance: in partnership with FBA Solutions, get access to lawyers by phone and video conference for legal information in many areas.

Advantageous terms on your loans

Personal Flex Line®,10

Access your line of credit at any time. It's great for when you need money fast—to make a payment on time or deal with an emergency.

Exclusive rate

6.70%

Management fees11

Free

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Up to $500 in savings/year1

National Bank All-In-OneTM,12

A home equity line of credit helps finance the purchase of your home and allows you to access your repaid principal without having to apply for another loan. 

Rate

6.45% variable

(Prime 5.95% + 0.50 %)12 

Management fees per account

$7/month

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$750 in savings/year1

Promo: Up to $3,000 cashback*

Mortgage loans13

Divide your mortgage into one or more tiers. Get a rate and assign a specific term, payment frequency or amortization period to each.

Numerous investment possibilities

Take charge of your investments

Take control of your investments with our optimized online direct brokerage platform, powerful tools, preferential pricing, no annual administration fees, and a dedicated team of experts.

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$100 in savings/year

Meet an investment and retirement expert

Thanks to their experience in investment and retirement, your advisor can guide you through the process and recommend solutions tailored to your needs.

Ready to take advantage of the offer? Complete the online form and an advisor will contact you to make an appointment.

Make an appointment

Little details that matter

Mortgage offer - terms and conditions

*The cashback offer ends January 31, 2022. The offer applies to clients who have been approved by National Bank for a new eligible mortgage loan of $100,000 or more. The loan must be disbursed within 90 days of receiving the client's application for a loan from National Bank. The mortgage must have a fixed or variable rate with a term of 4 years or longer at the current promotional rate. This offer is only available to clients who obtain a National Bank mortgage during the promotional period at the current interest rate advertised on National Bank’s website on the current promotional rate page. The loan must be for an owner-occupied residential dwelling with 1 to 4 units. The offer may be modified, extended, or withdrawn without prior notice at any time. The offer may not be combined or used with any other National Bank offer, promotion or benefit (with the exception of the mortgage loan insurance offer). There is a limit of one cashback per mortgage loan. The cashback amount varies according to the amount of the loan:

  • $1,000 cash back for loans between $100,000 and $249,999
  • $1,500 cash back for loans between $250,000 and $499,999
  • $2,500 cash back for loans between $500,000 and $749,999
  • $3,000 cash back for loans above $750,000. 

The cashback amount cannot exceed $3,000 per loan. If all conditions are met, the cashback will be granted on the loan disbursement date. You must maintain your mortgage loan for the duration of the term; otherwise, you will be required to reimburse a portion of the cashback received, in proportion to the remaining term. Mortgage loans are subject to credit approval by National Bank of Canada. Employees of National Bank and its subsidiaries and entities are not eligible for the offer.   

Eligibility criteria

  • List of eligible teaching professions: primary, secondary, professional (with teaching certificate), college and university (full-time).
  • Provide proof of your professional status.
  • Have a bank account and a credit card eligible for the offer14

Legal disclaimers

1. 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 $1,330 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 2.0 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 Tota® package (annual savings of $694 for two active chequing accounts), plus an annual discount on the individual SECURIZONE 2.0 product (annual savings of $36), 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 Mastercard World Elite 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.

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. Subject to credit approval by National Bank of Canada. Certain conditions apply.

4. 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.

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

6. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Examples of credit charges

Example of credit charges over a 30-day period

Annual interest rate

Average balance

 

$500

$3,000

22.49%

$9.24

$55.45

20.99%

$8.63

$51.76

14.5%

$5.96

$35.75

8.9%

$3.66

$21.95

*Variable interest rate in effect on September 1, 2021

7. Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

8. Preferred monthly pricing of $2.95 (individual) or $4.45 (family) plus taxes for SECURIZONE 2.0, $4.95 (individual) or $7.50 (family) plus taxes for SECURIZONE Alert, or $14.35 (individual) or $20.75 (family) for SECURIZONE Assistance. This represents a discount of 50% off SECURIZONE 2.0 and SECURIZONE Alert, and 20% off SECURIZONE Assistance. The preferred rates for holders of National Bank's privilege offers will remain in effect for as long as you're eligible for an offer. If you no longer have a privilege offer, the regular monthly pricing of $5.95 $ (individual) or $8.95 (family) plus taxes for SECURIZONE 2.0, the regular monthly pricing of $9.95 (individual) or $14.95 (family) plus taxes for SECURIZONE Alert, or the regular monthly pricing of $17.95 (individual) or $25.95 (family) plus taxes for SECURIZONE Assistance will apply.
  
NBC Assistance Inc. and National Bank can terminate or change the duration and preferred rate of SECURIZONE products for holders of National Bank's privilege offers at any time, with 30 days' notice prior to the effective date of the amendment. This notice will contain the new and amended clause, the old clause that was amended (if applicable), and the effective date of the amendment. If you do not agree to the changes, you can cancel the program with no penalty by sending us a notice no later than 30 days after the changes come into effect.

9. The potential annual savings of $90 is an illustration of what can be obtained by a holder who subscribes to the SECURIZONE Family Plan Alert product. The savings were calculated as follows: 50% off the regular monthly rate of $14.95 plus taxes ($7.50 x 12 months = $90). These discounts represent the difference between a client who is not part of the offer and a client who is part of the offer. Certain eligibility criteria apply.

10. Subject to credit approval by National Bank. Upon receipt of each statement, the borrower must pay a minimum instalment to the 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 instalment must be made without using the line of credit.

11. This offer must be renewed annually on presentation of identification and proof of professional 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 + 2.75%. 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 March 31, 2020.

    Average balance  
$500 3,000$
Typical Personal Flex Line
$2.14 $12.82
Prime rate (2.45%)
$1.01 $6.04

The typical Personal Flex Line is a faithful representation of all Personal Flex Lines of Credit offered by National Bank. Note that the Prime rate can change. For more information on the current rate, please visit nbc.ca/primerate.

12. Subject to credit approval by National Bank. Interest rate on the All-In-One (line of credit portion) as at October 25, 2018: 2.45% + 1%.

This rate is variable and corresponds to Prime + 1%, and is one of the lowest rates on the market. "Prime" means the annual variable interest rate posted by National Bank from time to time, used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada. Consult the prime rate webpage to find out the day's rate.

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 CDN$ in Canada. Visit nbc.ca/primerate for the rate in effect.

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

14. 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.

®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.

National Bank Direct Brokerage (NBDB) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada, the Canadian Investor Protection Fund, and is a subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). NBDB provides order execution only services and makes no investment recommendations. Clients are solely responsible for the financial ant tax consequences of their investment decisions.

Ready to take advantage of your offer?

Apply online and an advisor will contact you shortly to set up an appointment.
 

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