National Bank’s Best Chequing Accounts – NBC

Updated May 13, 2025
Fact checked by
Alexandrine Bertrand
Alexandrine Bertrand Alexandrine Bertrand
An avid solo traveller, Alexandrine is an expert on loyalty programmes such as Aeroplan, Avios, AIR MILES, Flying Blue and Marriott Bonvoy. With a budget-conscious approach, she helps travellers make the most of their points and miles to experience affordable, off-the-beaten-path getaways. She also shares a love of gastronomy and enjoys exploring local flavours and culinary traditions.
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National Bank of Canada - NBC
To the point Here are all the details you need to know about National Bank (NBC) chequing accounts, available for a wide range of profiles.

NBC The Total Chequing Account

With the NBC Total Chequing Account, you get:

  • Unlimited access to electronic transactions and counter services
  • Access to THE EXCHANGE network counters at no extra charge
  • 100 personalized cheques per year
  • Foreign currency drafts
  • Canadian dollar drafts included
  • Advantageous online brokerage rates
  • Digital cheque deposit
  • Unlimited free Interac transfers
  • Cashback of up to $150.00 on the annual fees for a National Bank Mastercard credit card, at enrolment

The NBC Total Chequing Account monthly fees vary according to your age:

Age Monthly fees
0 to 17 years old $18
18 to 24 years old $13
25 to 59 years old $28.95
60 years and over $23,95

Our tip: if you maintain a balance of $6,000 or more in your NBC Total Chequing Account, you won’t pay any monthly fees!

Chequing account National Bank's The Connected

With the NBC Connected Chequing Account, you get:

  • Unlimited access to digital transactions
  • Access to THE EXCHANGE network counters at no extra charge
  • Advantageous online brokerage rates
  • Digital cheque deposit
  • Unlimited free Interac transfers
  • Up to $30 off credit card annual fees

The NBC Connected Chequing Account monthly fees vary depending on your age:

Age Monthly fees
0 to 17 years old $5
18 to 24 years old $0
25 to 59 years old $15.95
60 years and over $10.95

Our tip: if you maintain a balance of $4,500+ in your NBC Connected Chequing Account, you won’t pay any monthly fees!

NBC Chequing account for newcomers to Canada

Offer NBC Newcomers Fr

The best credit card offers NBC

National Bank of Canada offers a wide range of NBC Mastercard credit cards to meet your needs:

Our review about National Bank Online

At Quebec and elsewhere in Canada, National Bank Online offers a wide range of banking services for its customers. With a debit card from NBC, you can access National Bank’s online banking services.

Several online services are available at NBC:

  • Check your National Bank chequing or savings accounts online
  • Manage your loans and mortgages NBC online
  • National Bank Online Smartphone application to manage your accounts from any location
  • Sending money from your National Bank account online with Interac
  • And more!

National Bank’s online banking offer is complete, particularly at Quebec, thanks to the presence of numerous branches NBC. The National Bank is thus an excellent choice.

National Bank of Canada - NBC
National Bank of Canada - NBC

The online services offered by NBC

By being a National Bank Online client, you can benefit from many advantages:

  • 24/7 access to NBC online banking services
  • Online payments of your transactions and bills
  • Send money quickly to the person of your choice with an Interac e-Transfer
  • Receive government assistance in the NBC account of your choice with CRA direct deposit.
  • Deposit your cheques anywhere with the National Bank mobile application
  • Download a sample cheque NBC
  • Take advantage of a National Bank virtual assistant available 24/7.
  • In the event of loss or theft, block, unblock or replace your credit card in your online bank NBC

National Bank also offers discounts and benefits for newcomers, students, entrepreneurs, healthcare professionals, engineering professionals and the self-employed.

National Bank of Canada - NBC
National Bank of Canada - NBC

Frequently Asked Questions about National Bank Online

What is the difference between a chequing and a savings account?

A chequing account is dedicated to your day-to-day transactions, such as transfers to other accounts, bill payments, or sending money via Interac. This National Bank online chequing account gives you a debit card, a cheque book and access to your online banking and customer service by phone or in-branch.

An NBC savings account is an account that earns interest. It’s a great way to save up for a specific goal, like a vacation or a new car, or to ensure you have an emergency fund available when you need it. A savings account offers an interest rate on the money you put into it.

How do I get my debit card from NBC?

You will receive a debit card when you open a chequing account. You can choose your personal identification number (PIN) on the spot, directly at the counter. If there is no ATM at your branch, a card and PIN will be mailed to you.

I've lost my debit card NBC: what do I do?

If your card is lost, stolen, misused or retained by an ATM, contact National Bank online without delay.

Within Canada and the U.S.

By phone:

514 394-1427 (region of Montreal)
National Bank toll-free number: 1 888 835-6281
These numbers are available 24 hours a day, 7 days a week.

Elsewhere:

There are two ways you can contact us:

  • By dialing an international number free of charge
  • Making a collect call

Dial an international number free of charge

Depending on your location, dial one of these international toll-free numbers. They are accessible from 50 countries.

Make a collect call:

If you are calling from outside North America and are not in a participating country, please call National Bank collect online through the operator at 514 281-3159.

How do I get a sample cheque from National Bank?

You can get a free cheque sample with National Bank online in two ways:

By logging in to your online bank:

  • First, click on Balance sheet in the left-hand menu.
  • Then Select the account for which you want to obtain a specimen cheque
  • Then click on the Options tab.
  • Finally, click on the link Download a sample cheque (under the cheque image)

Or with the National Bank app:

  • First, select the appropriate account
  • Then click on the blue band at the top
  • Finally, click on Get a sample check

Alternatively, you can visit a National Bank branch to obtain your specimen cheque NBC.

How do I contact National Bank online?

There are several ways to contact NBC:

  • With the secure messaging of your National Bank online account
  • You can visit one of our NBC
  • By calling 1 888 835-6281

What credit cards are available? NBC

National Bank offers a wide range of Mastercard credit cards. See our page dedicated to the best credit card offers at NBC.

Come to discuss that topic in our Facebook Group!
Marie-Ève Leclerc
Marie-Ève Leclerc
Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.
All posts by Marie-Ève Leclerc

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