The Best National Bank Chequing Accounts – NBC

Updated Jul 10, 2024
Fact checked by
Alexandrine Bertrand
Alexandrine Bertrand

Alexandrine Bertrand

Alexandrine Bertrand
A passionate solo traveler, Alexandrine is an expert on loyalty programs such as Aeroplan, Avios, AIR MILES, Flying Blue and Marriott Bonvoy. With a budget-conscious approach, she helps travelers maximize their points and miles for low-cost, off-the-beaten-path getaways. A food lover, she enjoys discovering the local flavors and culinary traditions that enrich her adventures.
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National Bank of Canada - NBC
To the point Here are all the details you need to know about National Bank of Canada (NBC) chequing accounts, available for various 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!

NBC The Connected Chequing Account

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

With the NBC Chequing Account for Newcomers to Canada, you get:

  • Unlimited access to digital transactions
  • Access to THE EXCHANGE network counters at no extra charge
  • Digital cheque deposit
  • Unlimited free Interac transfers

The monthly fee for the NBC Chequing Account for newcomers to Canada is $0 for the first three years.

You can open an NBC Chequing Account for newcomers to Canada:

  • from your home country
  • or up to 5 years after your arrival in Canada!
Offer NBC Newcomers Fr

The best NBC credit card offers

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

Our review about National Bank Online

In Quebec and elsewhere in Canada, National Bank Online offers many banking services for its customers. With an NBC debit card, you can access National Bank’s online banking services.

Several online services are offered by NBC:

  • Check your National Bank chequing or savings accounts online
  • Manage your NBC loans and mortgages 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!

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

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

Online services offered by the 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 NBC cheque
  • 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 NBC online bank.

Also, be aware that National Bank offers discounts and benefits for newcomers, students, entrepreneurs, health professionals, engineering professionals and business professionals.

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?

You can use your chequing account for day-to-day transactions like making bill payments and transferring money to other people or accounts. With a National Bank chequing account, you can get a debit card, a chequebook and access to your online banking and customer service by phone or in a 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 in it.

How do I get my NBC debit card?

You will receive a debit card when you open a chequing account. You’ll be able to set your personal Identification number (PIN) at the branch ABM. If there is no ABM at your branch, you will receive your card and PIN by mail.

I've lost my NBC debit card. What should I do?

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

Within Canada and the U.S.

By phone:

514-394-1427 (Montreal area)
National Bank’s online toll-free number: 1 888 835-6281
These numbers are accessible 24 hours a day, 7 days a week.c

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 the country you are in, dial one of these international numbers at no cost. They are accessible from 50 countries.

Make a collect call:

If you are calling from a country that is not on the list of international toll-free numbers, dial an operator and place a collect call to the National Bank: 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 of all, Click Overview in the left 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 banner at the top
  • Finally, click on Get a sample check

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

How do I contact National Bank online?

There are several ways to reach NBC:

  • With the secure messaging of your National Bank online account
  • By visiting one of the NBC branches
  • By calling 1 888 835-6281

What are the best NBC credit cards?

National Bank offers many Mastercard credit cards. See our page dedicated to the best NBC credit card offers.

Come to discuss that topic in our Facebook Group!
Jean-Maximilien Voisine

Jean-Maximilien Voisine

Jean-Maximilien Voisine
Jean-Maximilien, President and Founder of Milesopedia, is a recognized expert in rewards programs, credit cards, and travel in Canada and France. Approaching forty and a father of two, he has travelled to over 100 countries, half of them with his children and his wife, Audrey. Specializing in top loyalty programs like Aeroplan, American Express Membership Rewards, and Marriott Bonvoy, he guides travellers to maximize their benefits across North America and Europe.
All posts by Jean-Maximilien Voisine

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