Important notices 

Updates on the tariffs between Canada and the United States

Read our President and CEO's message to our clients.

We understand the uncertainty and disruption that the recent tariff announcements may cause for different sectors of the economy.

Rest assured, we’re here to support you and offer advice adapted to your needs.

We are closely monitoring how this situation may evolve and its impact on our clients. Our aim is to provide you with our analyses so you can make informed decisions.

Whether you’re a new or seasoned investor, we want to emphasize the importance of staying focused on your long-term perspective and financial plan. Making informed rather than rash decisions may significantly increase your chances of reaching your financial goals.

Do you have any questions? For personalized advice, make an appointment with one of our advisors.

For more information about how tariffs may affect your personal banking and investments, consult the following resources: 

National Bank completes acquisition of Canadian Western Bank

National Bank of Canada (“National Bank”) (TSX: NA) today announced the completion of its previously announced acquisition of Canadian Western Bank (“CWB”).

“Today is an exciting day for National Bank and marks a pivotal step in our history. This transaction will allow us to deliver a stronger banking choice for all Canadians and Canadian businesses. Our combined organization will provide customers with an expanded product and service offering nationally, while maintaining regional expertise. Thanks to CWB’s established roots in Western Canada, National Bank is expanding its operations. We will pull strengths from our collective network and further extend the depth and breadth of our banking capabilities,” said Laurent Ferreira, President and CEO of National Bank. 

With the closing of the transaction, integration activities will begin, and further transition will continue. National Bank looks forward to onboarding CWB clients and employees in the coming months.

Read the full press release

As a CWB client, please consult our migration hub for our most up-to-date information. 

Canada Post resuming operations as of December 17: Here are some tips for your banking operations

Canada Post will be resuming mail delivery services.

Here are some alternative solutions to limit the effects of this situation on your daily transactions and payments.

Sign up for our digital banking solutions to:

  • Pay your bills.
  • Send money and make transfers between your accounts.
  • View your banking information at any time. 
  • Verify the amount or balance on your credit cards, mortgage or other loans.
  • Access most of your tax slips.
  • Add your email address to receive last minute communications: Consult this step-by-step demo on how to update your personal information. 
  • Contact your service providers to receive your statements and bills by email.
  • Set up automatic payments for your bank account or credit card. This will help you avoid late payments.
  • Use our ABMs or visit one of our branches to make your payments and view your account information.

Do you receive cheques or regular payments from government organizations or services?

Contact them directly to find out about the options available to you. If possible, sign up for their direct deposit services so that funds are deposited directly into your account.

Information about receiving debit and credit cards

In the current context, and to make sure you receive your card as soon as possible, we will deliver your card by mail or to the branch closest to your home, without you having to call us.

In all cases, we will send you an email to inform you when it’s ready for pick-up at a branch or if it will be delivered to you. However, delays are still to be expected.

To receive email notifications about your card, make sure to add your email address from your online bank. Here’s how:

From your web browser: 

  1. Sign in to your online bank. 
  2. Click on the profile icon at the top of the screen. 
  3. Then, under Delivery method, click Edit and change your communication email address. 

From your National Bank app:

  1. Sign in to the National Bank app. 
  2. Expand the main menu and click on your name (Profile and preferences) and select Personal information. 
  3. Then, select Contact information and click Edit next to your communication email. 
  4. Follow the instructions. . 

If you need your debit card immediately, you can visit one of our branches with one piece of photo ID to pick it up in person.

If you need your credit card immediately, call us at 1-888-622-2783 to evaluate other options with our team. 

Need help signing up for our digital services?

Watch our demo or visit our Help centre. For more information on the current situation, we invite you to visit the Canada Post website regularly.

National Bank Savings and Investments: A new name for the mutual fund brokerage business division of National Bank Investments 

We would like to inform you that as of November 1, 2024, our mutual fund brokerage business division will become National Bank Savings and Investments Inc., a separate entity from National Bank Investments Inc.

This change will have no impact on the delivery of current services. The new name will appear on investment portfolio statements issued after November 1, 2024. We are making this change to better reflect the full range of savings and investment solutions we offer to help you achieve your financial goals. To learn more about our solutions, visit Managed solutions and investment funds.

The investment fund management activities will continue to be operated by National Bank Investments Inc., whose team is renowned for its expertise and commitment to quality and innovation in the field of asset management.

Our spring offer: 2x the points or 2x the cashback is ending on Juin 22, 2024

We would like to advise you that our spring offer ends on June 22, 2024. This targeted offer was sent to eligible clients by email at the beginning of May 2024. The rewards points or cashback bonuses associated with this offer will cease to apply after this date, depending on your credit card. You will revert to the usual benefits of your credit card.

There are no further changes to your credit card rights and obligations. You may also refuse them by changing your credit card or closing your credit card account, at no charge other than those related to the use of your card, by contacting us at 514-394-1427 or at 1-888-622-2783.

Changes to your All-In-One line® of credit 

As of July 7, 2024, certain updates to your All-In-One® line of credit will take effect. Here’s what’s going to change for you.

Reduced interest rates 

Starting July 7, 2024, the interest rate for exceeding the credit limit on your All-In-One® line of credit will decrease (currently set at double the variable interest rate). The variable interest rate applicable to advances on your line of credit will now apply if the limit is exceeded. 

Until July 6, 2024: Interest rates if you exceed your credit limit 
 As of July 7, 2024: Interest rates if you exceed your credit limit 

Double the variable interest rate applicable to your line of credit. 

Check your line of credit contract or monthly statements to see the rate that applies to your line of credit.

Any advances made on your line of credit, even if it exceeds your credit limit, will accrue interest at the variable rate applicable to your line of credit.

Check your line of credit contract or monthly statements to see the rate that applies to your line of credit.

No more overdraft fees 

An upcoming change will be the removal of overdraft fees for any transaction that leads to or increases overdraft on the credit limit, such as a cheque, pre-authorized debit, payment, debit card purchase, or an ABM withdrawal made without sufficient available funds (subject to applicable interest charges to the aforementioned overlimit fees). 

Fees until July 6, 2024 
 Fees as of July 7, 2024 

5 $/ transaction

No overdraft fees

Good to know : 
You must, on your own initiative, repay any amount that exceeds your credit limit as soon as the limit is exceeded. Also, using more than the authorized credit limit can affect your credit score. That’s why we recommend that you only spend within your credit limit.

Updates to the National Bank Private Banking 1859 banking offer

As part of the evolution of National Bank Private Banking 1859’s banking offer, we will be making certain changes to banking products, services, and associated fees and benefits.

The changes will come into effect throughout 2024 and will affect the following:

  • The benefits and pricing of your banking package
  • The annual fee for the Private Banking 1859 World Elite® Mastercard® credit card
  • The Dialogue™ telemedicine service
  • The Securizone 360™ assistance program

If you have any questions, please contact your Private Banking 1859 team.

Little details that matter

Erratum concerning the end of promotion for the first year of offer for newcomers 

February 2024. Our offer for newcomers includes attractive rates for three years from the date of the account being opened.

A notice was sent when the promotion applicable to the first year of our offer for newcomers ended. This notice should have mentioned that the following fees would apply as of the end of the first promotional year:

  • Withdrawals, transfers, and bill payments made at one of our branches: $1.50/withdrawal.

To resolve the situation, clients who did not receive the full notice and who carried out the above-mentioned transactions between the end of the first promotional year and the receipt of this notice have been credited. The credited amount is equivalent to the fees that may have been applied during this period concerning these transactions. In the future, the above fees will apply.

As a reminder, the following fees also apply:

  • Mailed bank statement: $2.50/month per statement 
  • Fixed monthly fee: $7.98 for the second year (50% discount)

There are no other changes to the rights and obligations associated with the offer for newcomers. All applicable conditions can be found in the contract. If you have any questions, don't hesitate to contact us. See the different ways to reach us.

An update to the assistance service for newcomers

As of February 29, 2024, the assistance service for newcomers included in the first year of the offer for newcomers will be updated to become a legal support service.

Already have an account?  

Check your balance, carry out transactions and more with your online bank.  

Sign in 

Due to the current situation, the waiting time is longer than usual. 
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1-888-835-6281 

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Terms of use
National Bank’s virtual assistant

When using our Virtual Assistant Service (the "Chatbot"), you accept these Terms of Use, which are subject to change without notice. Furthermore, you agree to consult these Terms of Use from time to time and acknowledge that your continuing use of the Chatbot means that you have accepted any changes that may have been made. Your continued use of the Chatbot means that you’ve read, understand and agree to these Terms of Use, the Terms of Use for our website, our Online transaction services, and to our privacy policy. You also understand any other agreements that you have with us will continue to apply when you use the Chatbot.

1. Our Services and your responsibilities

The Chatbot is an automated service which is integrated into our online banking platform.

The Chatbot is preprogrammed to answer general questions concerning the use of our online banking platform solely for informational purposes. The Chatbot is not able to answer questions on personal monetary transactions or products you hold with us.

By using the Chatbot, you understand and agree that:

  • The Chatbot does not provide financial advice or financial planning services.
  • The Chatbot does not conduct any banking transactions.
  • The Chatbot may not be able to answer all your questions. Therefore, it may not be able to provide you with the information you require. You must judge whether the answer provided responds to your question accurately. In the case of uncertainty, a customer service representative would be happy to help you. You can call us toll free at 1-888-483-5628 or 514-394-5555.
  • The Chatbot is not a complaint service. You cannot use the Chatbot to file complaints. If you have any complaints, you can contact us at the number indicated above.
  • We monitor, record and store the discussion that you have with the Chatbot to improve our interactions with our clients.
  • You will not provide the Chatbot with any confidential, personal, or private information. For example, you will not provide the Chatbot with your login information, PIN or other personal banking information.

2. Limitation of Liability

You acknowledge that we won’t be liable for any losses or damages that you may suffer as a result of your use of the Chatbot, including if the Chatbot is unavailable for any reason.

We cannot guarantee that the results obtained via the Chatbot will be accurate and reliable and that the answers provided will meet your expectations.

We will not be held liable for damages you incur as a result of:

  • Any delay, error, interruption or omission on our part or any other event beyond our control.
  • Any deficiency or technical error or any unavailability of our systems and wireless networks.
  • Your failure to meet any of your obligations.
  • Any amendment to or suspension, refusal or blockage of the Chatbot.
  • Any decision or measure you take in response to information and data obtained via the Chatbot.
  • Any other damages you may incur that are not caused by negligence on our part.

3. Language

You have requested that these Terms of Use, and related documents be drawn up in English.

4. Governing Law

These Terms of Use are governed and must be interpreted in accordance with the laws in force in the province or territory where you reside. If you reside outside Canada, the laws in force and the courts of competent jurisdiction are those of the province of Quebec.

Virtual assistant