Reduce your fees

1. Choosing the account that suits you
2. Choosing the best banking package for your needs
3. Choosing a financial package
4. Using overdraft protection
5. Using Electronic Solutions
6. Consulting a TelNat Specialist

Looking for a transaction account to consolidate all of your day-to-day banking? Our Chequing Account is for you!

• Hoping to turn dream projects into a reality? Our Special Project Savings Account can help you with systematic saving by automatically transferring fixed amounts from your other National Bank accounts.
   
• Looking for a transaction account that offers a good return, and increases with your balance? Need to access your money at any time?
  
• A special interest rate is available with the Strategist^®4 or Natcan Strategist Account^®4.
  
• Want to open a transaction account with no fees  to write cheques in US$? Need to make transactions in US$? Simplify your purchases in the United States with the Progress Account^®4 in US$.

View all transaction accounts

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To choose your ideal package, it’s important to have an idea of how many transactions—electronic (ATM, Internet, telephone, Client Card purchase) and day to day banking—you make each month.

Transactions:

• Withdrawals;
• Transfers;
• Bill payments;
• Client Card purchases;
• Cheque writing;
• Pre-authorized debits;
• Drafts or money orders.

View all packages

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Age-based

Our special programs are designed to meet specific expectations. Discover more about the advantages of each package:

• children
• Students
• seniors 60 and over

Students and professionals

The financial packages for students and professionals entitle you to a range of selected products and services based on your field of study or your profession.

Are you a member of:

• Barreau du Québec
• Chambre des notaires du Québec
• National Bank Financial
• Ordre des comptables agréés (CA) du Québec
• Ordre des CGA du Québec
• Réseau HEC Montréal

Are you a student or a Healthcare professional in:

• Medicine, dentistry, veterinary medicine, chiropractic, optometry, pharmacy, podiatry and physiotherapy
• NursingSelon votre âge

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Overdraft protection is an effective precaution and an excellent financial management tool.  Overdraft protection might be right for you if:

• You shop with your Client Card;
• You have arranged pre-authorized debits from your transaction account;
• You want to avoid the inconvenience and costs involved with NSF cheques;
• You don’t want Client Card purchases declined.

Overdraft protection makes sure you have cash by drawing funds from one of your other banking products that has sufficient funds (transfer includes $5 fee).

With your authorization, overdrafts are covered by cash transfers from one of your other transaction accounts, your personal line of credit, or a direct cash advance from your MasterCard.

By signing up for this service, you can avoid overdrafts by providing the necessary funds to cover cheques, electronic money transfers, Client Card purchases, withdrawals, transfers and bill payments at ABMs or through TelNat agents.

Choosing Overdraft Protection


With a line of credit, added liquidity, and overdraft protection, our Virtuoso package^{®4, 1} puts between and $500 and $5,000 at your disposal.  This makes unexpected expenses more manageable.

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Access to our Electronic Solutions² is free with all of our banking packages. Here are some examples of the transactions available with National Bank’s Electronic Solutions:

	Internet Banking Solutions Save time and money by viewing, receiving, and paying your bills online; View your account statement and actual balance, as well as your available balance; Receive online statements for transaction accounts, lines of credit and investment accounts. Sign up and view your statements online, as far back as December 2005, free of charge; View your MasterCard statement and check transactions since your last statement when it’s convenient for you; Make transactions on your National Bank investment funds easily—when you want!
	TelNat Telephone Banking Solutions From wherever you are, using a touch-tone, TelNat Telephone Banking Solutions lets you: Check on your transaction account activity; Carry out day-to-day banking transactions; Get help from a representative. TelNat: 1 888 TelNat-1 or 514 394-5555
	Automated Banking Machines National Bank’s network of ABMs are accessible 24 hours a day with your Client Card. With National Bank’s Automated Banking Machines, you can:  Make day-to-day banking transactions Print a statement of your most recent transactions Check your balance Change your personal identification number (PIN)
	Interac Direct Payment®1 Interac Direct Payment®1 is a fast, safe and convenient way to pay merchants directly without carrying large amounts of cash. With the NYCE network, you can use your Client Card at over one million merchants in the United States. After you have confirmed the amount of your purchase in U.S. dollars, the amount will be converted into Canadian dollars and directly debited to your account.

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Need some advice to help you start off on the right foot? The TelNat Specialists at the National Bank are here for you.

Need information about your transaction or investment accounts, your financing, or our new products and services? Call the number listed in your chosen category and an agent will be happy to help you.

With an agent to walk you through, you can make all your day-to-day banking transactions in one simple call.

TelNat is available from 6 a.m. to midnight (EST). Call 1888 TELNAT-1 or 514-394-5555 and follow the instructions.

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¹ Subject to credit approval by National Bank of Canada. This package does not waive interest charges. The applicable interest rate is the National Bank of Canada’s prime rate + 7%. Interest rate is subject to change.
² Specific browser versions are required to access National Bank’s Internet financial services. Visit ABC’s of Security and read the Browser Requirements for Internet Financial Service.
^®1 Registrered trademark of Interac Inc.
^®4 Strategist Account, Progress Account and Virtuoso are registered trademarks of National Bank of Canada.