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Chequing accounts and packages

New clients: for a limited time, get up to $300 cashback

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Find the package that's right for you

Enjoy a range of exclusive benefits with our special offers: newclients, newcomers to Canada, professionals and students. Find out if you're eligible!

Need help choosing the right banking package?

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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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We’ve got interest in your projects

Grow your savings with the 2.75%* High Interest Savings Account.

Discover the offer

*Limited-time offer. Certain conditions apply.

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

Explore our special offers

New clients

New clients

Take advantage of our special welcome offer: earn up to $300 cashback.

See offer

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Newcomers to Canada

Start this new stage of your life with the only bank offering reduced fees for three years.

See the offer

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Enjoy banking packages specifically designed for professionals in certain fields.

See our banking packages

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Save with our offers for students in various fields.

See our banking packages

Little details that matter


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.

Legal disclaimers

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

® INTERAC and INTERAC e-TRANSFER are registered trademarks of Interac Inc. 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.


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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