Offer for Engineers and Engineering Graduates

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Offer details

Up to

$1,911

in annual savings¹

3 bank accounts²

no monthly fee with an eligible Mastercard credit card³

Access to
exclusive services

Line of credit and mortgage⁴

with preferential terms and conditions

Exclusive benefits for

Engineers
Engineering graduates

New account, new hammock

Get up to $100 to treat yourself after signing up to an offer for professionals

See conditions ↓

Apply

Take advantage of these exclusive benefits for professionals in your field.

Apply

How does it work?

Sign up for a Mastercard credit card and access bank accounts and financing solutions with attractive terms and conditions.

Sign up for a World, World Elite or Platinum Mastercard credit card

Get three bank accounts with no monthly fee

Enjoy a line of credit and a mortgage with preferential terms and conditions

1. Choose your Mastercard credit card

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See credit terms

Tip

Your spouse can also benefit by signing up for an additional Mastercard credit card.⁸

2. Enjoy three eligible bank accounts

Get up to three bank accounts and pay no monthly fee—plus you get an unlimited number of transactions on most automated services by obtaining a Mastercard.

Advantages

Send an Interac^® e-Transfer free of charge
Carry out several types of transactions in an unlimited number, including branch transactions and automated telephone services
First order of 100 personalized cheques included (shipping fees and taxes not included)
Ensure that you never get caught short with our overdraft protection
Access your accounts from anywhere in Canada with the THE EXCHANGE^® ABM network

Don’t need a credit card? A $12.95 monthly fee applies.¹³

3. Enjoy attractive terms and conditions on your financing solutions

Personal Flex Line^®, 10

This line of credit is accessible any time. Power your ideas without having to apply for a new loan!

Exclusive rate

Prime rate + 0.25%

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current interest rate
No management fees¹²

Discover the Personal Flex Line

National Bank All-In-One^®, 11

A home equity line of credit that groups together your bank accounts and your short-term cash and financing needs.

Exclusive rate

Prime rate + 0.25%

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current interest rate
Fee of $7 per month per account

Discover the National Bank All-in-One

Mortgage loan⁴

Split your mortgage into smaller portions—each with its own rate, term, payment frequency and amortization period.

Check out our mortgage offer

4 - Grow your savings

Meet with a financial planner¹⁵

Financial planners are trained to help you plan, execute and achieve your goals. Leverage the expertise of our planners to meet your needs at key milestones in your life. Learn more about our services.

Discover financial planning

Manage your investment accounts independently

Take control of your investments with powerful tools and a dedicated team of experts.

Advantages:

Stock commissions at $5.95 per trade¹⁶
Canadian and American Exchange Traded Funds at $0 commission¹⁷
No annual administration fee
Optimized online brokerage platform

Discover National Bank Direct Brokerage

Save for your children’s education

The Registered Education Savings Fund (RESP) is a smart way to fund your children’s post-secondary education.

Advantages:

Make tax-free savings for your children’s post-secondary education
Grow your savings with government grants from 20% to 40 % each year
If you were late opening an RESP or if you don’t contribute each year, you can carry forward or catch up on the unused amount one year at a time.

Discover the RESP

Your exclusive services

Access to a virtual clinic

We actively support your health and well-being. That’s why we’re offering you access to Dialogue, a virtual healthcare service platform available anywhere, anytime.

Discover our partner’s telehealth services

Benefit from legal assistance

In partnership with FBA Solutions, access lawyers by phone and get legal information in many areas.

Discover legal assistance

Take precautions against identity theft and fraud with SECURIZONE^®

Benefit from preferential pricing with a 50% discount on SECURIZONE^® products¹⁸. Take advantage of tools and products to improve your security and get assistance in the event of identity theft and fraud.

Discover the SECURIZONE program

Providing support throughout your career

Businesses

Get financing⁴ for an office space, manage your employees more efficiently and benefit from commercial accounts with reduced fees. Our team of experts is here to help.

Discover our offers for businesses

Students

Earn savings while you study and manage your finances more easily with a Mastercard credit card², a bank account³ with no monthly fee and a personal line of credit.⁴

Discover our offers for students

National Bank is a proud partner of

Ordre des ingénieurs du Québec

Fondation et alumni de Polytechnique Montréal

Réseau ÉTS : Association des diplômés

Ontario society of professional engineers

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 Connected^TM	$100	+$200	$300
The Total^TM	$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.

Commitment

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.

Eligibility criteria

Provide proof of professional status.¹²
Have a bank account and a credit card eligible for the offer.¹³

Ontario Society of Professional Engineers promotion

Promotion

The offer is valid between August 31, 2020 and December 31, 2020. Conditions apply.

$358 cashback

You can obtain this cashback by signing up for National Bank offer for engineering professionals and an eligible Mastercard credit card.

To qualify, you must, by December 31, 2020 :

Sign up for National Bank offer for engineering professionals,
Sign up for a Platinum^®, World^®, or World Elite^® Mastercard^® credit card
Pay your two-year Ontario Society of Professional Engineers membership ($358 + HST ($404.54) with your eligible National Bank Mastercard credit card
Sign up for National Bank online and make one deposit or pay one invoice.

Subject to credit approval by National Bank. The cashback ($358), will be deposited to your National Bank Mastercard account within 180 days of the products being opened.

This offer is intended for anyone who does not have a National Bank chequing account or Mastercard credit card or who has not had one of these products within the last 24 months.

The offer may not be combined or used with any other National Bank promotion and cannot be applied retroactively. There is a limit of one cashback per client. Only the primary account holder is eligible for the offer.

Offer available to engineers residing in the province of Manitoba. The offer may be modified, extended or withdrawn without prior notice at any time. Employees of National Bank and its subsidiaries and entities are not eligible.

Promotional offer for engineers in Manitoba

The promotional offer is valid between August 31, 2020 and December 31, 2020. Conditions apply.

$500 cashback

You can obtain this cashback by signing up for National Bank offer for engineering professionals and an eligible Mastercard credit card.

To qualify, you must, by December 31, 2020 :

Sign up for National Bank offer for engineering professionals,
Sign up for a Platinum^®, World^®, or World Elite^® Mastercard^® credit card
Complete a transaction with your eligible National Bank Mastercard credit card,
Sign up for National Bank online and make one deposit or pay one invoice.

Subject to credit approval by National Bank. The cashback ($500), will be deposited to your National Bank Mastercard account within 180 days of the products being opened.

This offer is intended for anyone who does not have a National Bank chequing account or Mastercard credit card or who has not had one of these products within the last 24 months.

The offer may not be combined or used with any other National Bank promotion and cannot be applied retroactively. There is a limit of one cashback per client. Only the primary account holder is eligible for the offer.

The offer may be modified, extended or withdrawn without prior notice at any time. Employees of National Bank and its subsidiaries and entities are not eligible.

Legal disclaimers

® THE EXCHANGE is a registered trademark of Fiserv Inc.

® Mastercard, World Mastercard and World Elite 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 trade-mark 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.

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 $1,911 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: a banking package equivalent to The Total^®, 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 a personal line of credit with an annual balance of $25,000, and has a good credit rating.

Savings are calculated as follows: No monthly fee for transactions included in the The Total^TM package (annual savings of $311), plus an annual discount of 0.75% on the All-In-One line of credit rate (annual savings of $1,125), plus an annual discount of 2.50% on the rate of a personal line of credit (annual savings of $625), minus the annual fee for the World Elite^® Mastercard^® for a year. 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, available in branches or at nbc.ca.

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

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

5. Certain restrictions apply. Please consult the applicable rules governing reward points under Rewards plan.

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
Annual interest rate	$500	$3,000
22.99%	$9.45	$56.69
20.99%	$8.63	$51.76
14.5%	$5.96	$35.75
8.9%	$3.66	$21.95

*Variable interest rate in effect on December 20, 2016.

7. Subject to credit approval by National Bank. Each balance transfer must be at least $250.

8. Only the spouse of the main cardholder of the Mastercard credit card included with the offer for professionals is eligible for an additional card. Regular annual fees apply for the additional card.

9. Minimum 12-month rental in Canada. Certain conditions apply. Details are available at our branches. For safety deposit box fees, see Your Guide to Personal Banking Solutions.

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. Subject to credit approval by National Bank. Interest rate on the All-In-One (line of credit portion) as at October 25, 2018: ${p1.tauxBase|percent:"true"} + 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.

12. 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.

13. National Bank reserves the right to end, without notice, the discounts and other advantages offered in the banking offer if the client closes his eligible bank account. In the event that the client cancels his eligible Mastercard account or replaces it with a Mastercard account that is not eligible for the offer, National Bank will charge a fixed monthly fee of $12.95 to the transactional bank accounts, to allow the client to maintain the discounts and the other advantages of the banking offer.

14. For more details, contact an advisor.

15. Financial planning services are offered through subsidiaries of National Bank. Financial Planners provide their services on behalf of National Bank Investments Inc., a wholly owned subsidiary of National Bank of Canada.

16. The commissions shown are for trades carried out online. For more information about commissions and general fees, please refer to our brochure.

17. Trades must involve 100 or more ETF units and must be carried out using our electronic solutions. Clients must also sign up to receive all their documents electronically.

18. Special monthly fees of $2.95 (individual) or $4.45 (family) plus tax for SECURIZONE^® 2.0 or $4.95 (individual) or $7.50 (family) plus tax for SECURIZONE^® Alert. The special rates for National Bank privilege offer will be in effect as long as you benefit from the privilege offer. If you no longer benefit from the privilege offer, the regular monthly fees of $5.95 (individual) or $8.95 (family) plus tax for SECURIZONE^® 2.0 or $9.95 (individual) or $14.95 (family) plus tax for SECURIZONE^® Alert will be applicable. NBC Assistance Inc. reserves the right to terminate or modify at any time the offer of the SECURIZONE^® assistance program reserved for clients benefiting from National Bank privilege offer by sending you a 30-day notice. You are entitled to cancel the program with no penalty if you do not agree to the modifications.

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Offer for engineers and engineering graduates