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The Modest Chequing Account

Everything in moderation—just the right number of electronic transactions

Open an account

Discover the benefits of The Modest®chequing account

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Interac e‑Transfer® included

Send and receive money

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30 digital transactions 1
per month

0 in-person transactions 2

Even more benefits

  • Apply online in just a few clicks  
  • Access to mobile cheque deposit
  • Free online statements
  • Access to THE EXCHANGE® network of ABMs at no additional cost

How do I open a chequing account online?

Select the plan that suits you

0-17 years old

Monthly fees 3

$0/month

18-24 years old

Monthly fees 3

$0/month

25-59 years old

Monthly fees 3

$10.95/month

Reduce your monthly fees 3

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 $0 with a balance of $3,000 or more

60 plus

Monthly fees 3

$5.95/month

Reduce your monthly fees 3

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 $0 with a balance of $3,000 or more

Discover our other chequing accounts

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The Connected®

  • Unlimited digital transactions 2

  • Unlimited use of Interac e-Transfer®, free of charge

  • Get an eligible Platinum®, World or World Elite®, 5 Mastercard® credit card and enjoy a $5/month discount on your fixed monthly fees

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The Total®

  • Unlimited digital 1 and in-person 2 transactions

  • Unlimited use of Interac e-Transfer®, free of charge

  • Receive 100 free cheques per year 6

  • Get an eligible Platinum®, World or World Elite®, 5 Mastercard® credit card and enjoy a $10/month discount on your fixed monthly fees

Enjoy digital banking features that make your everyday life easier    

When you open a chequing account, you have access to many digital banking services:

  • Interac ® e-Transfer Autodeposit
  • Credit card alerts
  • Mobile cheque deposit
  • International money transfers
  • Direct deposit of government payments
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We’re here for you

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Want to open a chequing account with The Modest® banking package?

Open an account online today.

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Need personalized advice?

Make an appointment or call us to answer any of your questions

Toll-free: 1-888-835-6281

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Find all the answers to your questions in our Help Centre
 

Little details that matter

Back
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