Banking services

Preauthorized debits

You can pay bills automatically by setting up preauthorized debits. This is a great way to pay your utility bills, insurance, mortgage—and any other payments you make on a regular basis.

Funds transfers

Find the list of Canadian financial institutions that allow you to use Interac e-Transfer^® on the official website.

If you have The Connected, The Total, The Modest or The Minimalist package or one of our offers for professionals and students, Interac e-Transfer^®, is included. If you don't have one of these packages, a $1.25 service charge may apply when you send an Interac e-Transfer^®. The transfer must be sent to a bank account held at a participating Canadian financial institution. Also, please note that if you need to cancel an Interac e-Transfer^®, you will be charged a fee of $3.50.

Items

An item is a cheque, bank draft or money order.

Overdraft protection

Looking to avoid the inconvenience and cost of NSF cheques and declined debit card payments?

Overdraft protection lets you draw on another eligible source to cover the shortfall. A $5 fee applies for the day the account is overdrawn, and the protection is activated, regardless of the number of transactions made. With your permission, the overdraft is covered by a funds transfer from another bank account, your Integrated line of credit* or a cash advance from your Mastercard credit card.

Don't worry about getting caught short—with overdraft protection your cheques, transfers, card purchases, withdrawals, and bill payments are covered.

Stop payments (not available for accounts without chequing privileges and no charge for The Total ^®)

* Fees paid by the client even when the request is made by a third party.

Bank letters issued at the client's request: $10

Cheque image request made through telephone banking services or at the branch: $5/item**(regardless of the transaction date)

Tracing and reproduction of documents (other than items cleared in account statements) within the following timeframes:

• Less than 90 days after the transaction date, $5/item**
• 90 days or more after the transaction date: $10/item**, $20 min.**

Re-issuing a transaction account or investment statement: $5

Request for a list of recent transactions prior to the production of the monthly account statements: $5

Re-issuing a loan statement (mortgage or other): $10

**Fees paid by the client even when the request is made by a third party.

Note that you can avoid some fees by replacing your paper statement with a free online statement. You'll reduce the amount of paper sent and received.

View your transactions through online banking, available 24/7. Visit our eStatement page to learn more.

^TM Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor or participant of National Bank Mobile Banking Solutions.

^TM Google Pay and the Google Pay Logo are trademarks of Google LLC. The use of this trademark is subject to Google Inc.’s authorization policy.

^® Interac e-Transfer is a registered trade-mark of Interac Corp. Used under licence.

^® Interac is a registered trademark of Interac Corp. Used under license. 

^® Mastercard is a registered trademark of Mastercard International Inc. Authorized user: National Bank of Canada.

1. For USD bank drafts, applicable fees are in USD
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.