The Connected chequing account
Get up to $600 cashback with our promotional offer*
* Promotional offer is valid until November 3, 2026. Conditions apply.
The Connected® chequing account at a glance
*Available to individuals of legal age only
Jusqu’à 900 $ en rabais voyage ou jusqu’à 800 $ à investir dans un produit financier annuellement*
On this page:
Promotional offer | More benefits | Open an account online | Features
New bank account opening promotion
Promotional offer
Take advantage of our promotion by opening your first chequing account. You could get up to $600 cashback by choosing The Connected ® account.
Here’s how you could benefit within the first 120 days of opening your account:
- Choose The Connected chequing account
FIRST STEP
$300
Open a The Connected chequing account and complete certain steps.*
Apply for a credit card
OPTION
$100
Apply for a National Bank Mastercard credit card and make certain eligible purchases.*
Set up automatic mortgage payments
OPTION
$100
Set up automatic mortgage payments from your new chequing account.*
Open a High Interest Savings Account
OPTION
$100
Open a new High Interest Savings Account and make the required deposits within 15 days of opening your new chequing account.*
Up to $600 cashback when all conditions of the
promotional offer are met.
Get even more benefits with The Connected
- Apply online in just a few clicks
- Access to mobile cheque deposit
- Online statements at no extra cost
- Access to THE EXCHANGE ® network of ABMs at no additional 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
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*A $5/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.
Get started
Make the most of The Connected chequing account today.
Little details that matter
Length of the promotion
From May 7, 2026, to November 3, 2026.
Promotion description
Up to $600 cashback after opening a chequing account and adding certain products or services or carrying out certain transactions in the new account listed in the following section.
Eligibility conditions
Basic cashback of $300 for the first chequing account:
During the promotion period, open your first chequing account and sign up for The Connected® or The Total® package as the primary account holder.
Within 120 days of opening the chequing account and the eligible package, complete the following 3 steps:
- Sign up for online banking
- Complete 20 eligible
transactions, including:
- Debit card purchases
- Bill payments using your online banking or the National Bank app.
- The following transactions are excluded: refunds for purchases (Interac ®), reimbursement of monthly fees, flat monthly fees and account handling charges.
- Receive 3
eligible automatic deposits of at least $100 each, according to the
following schedule:
- 1st deposit: within the first 60 days after opening the chequing account.
- 2nd deposit: between 60 and 89 days after opening the chequing account.
- 3rd deposit: between 90 and 120 days after opening the chequing account.
Eligible automatic direct deposits (based on Payments Canada transaction codes):
Payroll Deposit, Special Pay List, Vacation Pay, Overtime Pay, Early Pay, Commission Pay, Premium Pay, Adjustment Pay, Pension, Federal Pension, Provincial Pension, Private Pension, Retirement Income Funds, Canada Child Benefit, Canada Pension Plan, Old Age Security, War Veterans Allowance, Veterans Affairs Canada, Public Service Pension, Canadian Armed Forces Superannuation, Employment Insurance, Family Responsibility Plan, Income Security Benefit, CNESST, Employment Assistance Allowance, Disability Benefit, Parental Insurance, Child Support, Miscellaneous Payments, Accounts Receivable, Canada Benefit for Persons with Disabilities.
Maintain this package or any privilege offer with the eligible package at all times for at least 120 days after opening the new chequing account.
Must not have a chequing account, CAD Progress Account, Crescendo Account®, The Strategist Account®, The Natcan Strategist Account, Special Project Savings Account, Superior Flex Line Program®, Home Improvement Line of Credit, personal line of credit, All-In-One Line of Credit®, or must not have had a National Bank High Interest Savings Account, alone or jointly in the past 36 months.
All of the above conditions must be met to be eligible for the following additional amounts.
An additional $100 linked to a new credit card. Within 120 days of opening the chequing account and signing up for the eligible package, complete the following 2 steps:
- Apply for and be approved for one of the following National Bank credit cards as the primary cardholder: Platinum Mastercard®, World Mastercard®, World Elite® Mastercard®, mycredit™ Mastercard®, Allure® Mastercard®, MC1® Mastercard®, Echo® Cashback Mastercard®, Syncro™ Mastercard®
- Complete at least 20 purchases or cash advances with the new
credit card. The following transactions are excluded:
- Mastercard cheques
- Interest
- Non-interest fees (e.g., annual fees, currency conversion fees, and insurance premiums)
- Purchase returns
- Credit card payment with your points
- Credits applied to the account when you redeem points for a reward
Must not have been holder/primary cardholder or authorized user of a National Bank personal credit card in the past 36 months.
An additional amount of $100 related to the payment of a mortgage loan. Within 120 days of opening the chequing account and signing up for the eligible package, complete the following step:
- Set up pre-authorized, recurring payments from the new chequing account for a National Bank mortgage.
An additional amount of $100 related to a new savings account. Within 15 days of opening the chequing account and signing up for the eligible package, you must:
- Open a High Interest Savings Account.
- Deposit at least $5,000 in the High Interest Savings Account.
- Keep a minimum balance of $5,000 at all times and without interruption up to the 120th day after opening the chequing account.
Must not have held a National Bank High Interest Savings Account alone or jointly in the past 36 months.
Total cashback if all conditions are met: up to $600
When the cashback is paid to your chequing account
If you meet the eligibility requirements, the cashback will be deposited into the account by the end of the sixth month following the date your chequing account is opened.
Other conditions:
- You may receive only one cashback for this chequing account.
- You must be at least 14 years old at the time the new chequing account is opened.
- You must keep the new chequing account and, if applicable, the new eligible credit card for at least 12 months from the date the chequing account is opened. If you don’t meet this condition, you’ll have to reimburse a portion of the cashback for the product you didn’t maintain corresponding to the period remaining.
- You must keep your National Bank chequing
account in good standing until the cashback is paid. For the
purposes of this promotion, the chequing account is not in good
standing if:
- it is overdrawn, meaning it has an unauthorized negative balance; or
- it has been used in an inappropriate, unauthorized, illegal or abusive manner, as described in section 8.7 of the National Bank Deposit Accounts Agreement.
- You must keep your new credit card account in good standing by meeting the conditions in the Credit Card Agreement (if applicable). For example, all minimum payments must be made on time.
- The new eligible credit card (if applicable) is granted subject to credit approval from National Bank. You must be 18 years old when you sign up for the new card. Other conditions apply to the issue of the card.
- You must not be an employee of National Bank, CWB® or one of their subsidiaries. Spouses of employees are also not eligible.
- This promotion may be modified or withdrawn without prior notice.
- This promotion cannot be combined with any other National Bank cashback promotion applicable to chequing accounts or banking packages. However, it can be combined with another eligible National Bank credit card, mortgage loan, mortgage insurance, or investment promotion.
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 online statements
- Free access to cheque images
- Overdraft protection: $5/transaction
- Bank drafts in CAD: $9
- Stop payments: up to $30/transaction
- Statements by mail: $3.50/month per account
- Free withdrawals, bill payments and other transactions at National Bank ABMs
- Withdrawals and transactions at another financial institution's Interac ® banking machine: $2
- Withdrawals and transactions at another financial institution's Cirrus® banking machine: $5
- 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.
Here’s how to open a joint account:
1. Make an appointment
Schedule an appointment online, either in person at any branch or by video call. Specify the type of account you’d like to open in the Additional Details section. Add the name(s) of anyone accompanying you in the Additional Attendees section.
2. Prepare your documents
Ensure everyone at your appointment has the appropriate identification documents indicated in the appointment confirmation.
3. Choose your account
Receive your income directly into this account and carry out your daily transactions: purchases, withdrawals, deposits, bill payments, transfers between accounts, sending money, and more. This account provides each co-owner with a debit card.
Use your savings account to put money aside for a specific goal, like an upcoming vacation, or to ensure you have an emergency fund in case the unexpected happens, for example you lose your job. With this type of account, you'll earn interest on your savings and have easy access to your money.
Rights and obligations
During your appointment with your advisor, you can discuss the main rights and obligations of each joint account holder.
If you’d like to find out more, read our article on the pros and cons of a joint account.
®THE CONNECTED, NATIONAL BANK, CWB, CRESCENDO, THE STRATEGIST, THE TOTAL, SUPERIOR FLEX LINE, ALL-IN-ONE, MY CREDIT, ALLURE and ECHO are registered trademarks of National Bank of Canada.
®Interac and Interac e-Transfer are registered trademarks of Interac Corp. Used under licence.
®MASTERCARD , World Mastercard, MC1, Platinum, and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.
®THE EXCHANGE is a registered trademark of Fiserv 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. 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.
4. Consult the Fee Guide - Personal Banking Solutions for more details. Discounts are applied upon presentation of supporting documents.
5. 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.
