The Total Chequing Account
Totally unlimited transactions and a range of value-added services
Discover the benefits of The Total® chequing account
An integrated line of credit up to $5,000 4
Access pre-authorized financing if you run out of funds or in an emergency.
Benefit offered to adults only.
Legal and estate assistance
Take advantage of unlimited access to a lawyer by phone or videoconference, in partnership with FBA Solutions. Benefit from estate assistance to draw up your will and protection mandate in anticipation of incapacity, before witnesses, or online. 5
Benefit available to those 16 years or older.
Overdraft protection
Avoid the $5/day fee that will be applied if there are no funds in your bank account. 6
Up to $150 cashback 7
Get cashback after enrolling in an eligible credit card.
Benefit offered only to adults.
Even more benefits
- Online application in a few clicks
- Unlimited use of
Interac ® & Cirrus® network ABMs in
Canada, free of charge
- Access to mobile cheque deposit
- Stop pre-autorized debits or cheques, free of charge
- Mail statements at no extra cost
- 100 cheques per
year, 8 free of charge
- Access to THE EXCHANGE® network of ABMs at no additional cost
- Online statements at no extra cost
How do I open a chequing account online?
It's quick and easy. If you’re 14 years or older, you can fill out our online application in just a few clicks.
Select the plan that suits you
Reduce your monthly fees*
$0 with a balance of $6,000 or more
Get an eligible Mastercard credit card 10 and enjoy a $10/month discount
Reduce your monthly fees*
$0 with a balance of $6,000 or more
Get an eligible Mastercard credit card 10 and enjoy a $10/month discount
Reduce your monthly fees*
$0 with a balance of $6,000 or more
Get an eligible Mastercard credit card 5 and enjoy a $10/month discount
*A $10/month discount will be automatically applied if you have a Platinum, World, or World Elite® Mastercard® credit card. The fee is adjusted to your bill up to a maximum of $0.
Take advantage of digital banking to make your everyday life easier
When you open a chequing account, you have access to many digital banking services:
- Interac ® e-Transfer Autodeposit 1
- Credit card alerts
- Mobile cheque deposit
- International money transfers
- Direct deposit of government payments
We’re here for you
Want to open a chequing account with The Total® package?
Open an account online today.
Need personalized advice?
Make an appointment or call us to answer any of your questions
Toll-free: 1-888-835-6281
Find all the answers to your questions in our Help Centre
Little details that matter
® THE TOTAL and NATIONAL BANK are registered trademarks of National Bank of Canada.
® Interac and Interac e-Transfer are registered trademarks of Interac Corp. Used under licence.
® MASTERCARD is a registered trademark of Mastercard International Incorporated. Authorized user: National Bank of Canada.
® THE EXCHANGE is a registered trademark of Fiserv Inc.
® CIRRUS is a registered trademark of CIRRUS SYSTEM Inc.
1. No fees for sending an Interac e-Transfer®.
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. 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.
5. Excludes any questions about any commercial or criminal activity. For all the details and conditions about the legal and estate assistance service, consult our legal assistance service page.
6. If you run out of funds during a transaction, overdraft protection allows you to recover the missing money from one of the banking products you designate when you sign up (account, line of credit or Mastercard credit card). With The Total plan, you avoid the $5 transfer fee that usually applies to each transfer when there aren't enough funds. If you want to subscribe, schedule a meeting with an advisor.
7. New holders of an eligible National Bank Mastercard credit card and a chequing account with The Total® package will receive a discount of up to $150. Eligible credit cards and respective discounts are: Echo® Cashback, Syncro, Platinum, World and World Elite®. The discount only applies once after enrollment. The bank account must be opened before the credit card account to qualify for the discount offer. The amount of the discount will be applied as a credit to the credit card account statement within a maximum of 90 days after activation of the card. To qualify for the discount, the credit card account must be in good standing and the bank account must not be overdrawn. The main cardholder and co-holder of an account with The Total package may be entitled to a discount provided they each sign up for an eligible Mastercard primary card. No discount will be given to holders of an additional Mastercard card. Accounts opened with the The Total package before January 22, 2018, are not eligible for this discount. For the conditions relating to National Bank Mastercard credit cards, visit our website.
8. Shipping and taxes not included.
9. Consult the Fee Guide - Personal Banking Solutions for more details. Discounts are applied upon presentation of supporting documents.
10. We reserve the right to end, without notice, the discount applicable to your banking package if you do not maintain the eligible products. You must also maintain your credit card account in good standing by respecting the conditions provided for in the Credit Card Agreement. This discount cannot be combined with a bank offer. In the event you close your eligible credit card account or do not maintain the eligible banking plan or your credit card account in good standing, we will charge you the full amount of the applicable flat monthly fee, excluding this discount. See the applicable monthly fees on page 2 of the Fee Guide - Personal Banking Solutions.
11. New holders of an eligible National Bank® Mastercard® credit card and a chequing account with The Connected® package will receive a $30 discount. The following credit cards are eligible: Echo® Cash Back, Syncro, Platinum, World and World Elite®. The discount only applies once after enrollment. The bank account must be opened before the credit card account to qualify for the discount offer. The amount of the discount will be applied as a credit to the credit card account statement within a maximum of 90 days after activation of the card. To qualify for the discount, the credit card account must be in good standing and the bank account must not be overdrawn. The main holder and the joint holder of an account with The Connected package may be entitled to a discount provided that they each sign up for an eligible main Mastercard card. No discount will be given to holders of an additional Mastercard card. Accounts opened with The Connected package before January 22, 2018, are not eligible for this discount. For the conditions relating to National Bank Mastercard credit cards, visit our website.
Rates
Transaction fees:
- Free Interac® e-Transfers2
- Free online fund transfers between your National Bank accounts6
- Free online bill payments6
- Free debit card purchases6
- Free stop payments for pre-authorized cheques and debits
- Free online statements
- Free access to cheque images
- Free foreign currency bank drafts
- Free bank drafts in CAD
- Free account statements by mail
- Free withdrawals, bill payments and other transactions at National Bank ABMs
- Free withdrawals and transactions at another financial institution's Interac® banking machine
- Free withdrawals and transactions at another financial institution's Cirrus® banking machine
- Free withdrawals and transactions at ABMs of financial institutions in THE EXCHANGE® network
For more information on fees for National Bank's products and services, consult the Fees – Your Guide to Personal Banking Solutions pamphlet.
