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An option that keeps your banking simple and affordable

Open an account

Discover the benefits of The Minimalist®chequing account

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18 transactions per month

(including Interac e-Transfer® and 2 branch transactions 1-2 until January 25, 2026)

Even more benefits

  • Apply online in just a few clicks  
  • Access to mobile cheque deposit
  • Online and mail statements at no extra cost
  • Access to THE EXCHANGE® network of ABMs at no additional cost 

How do I open a chequing account online?

0-17 years old

Monthly fees 3

$0/month

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18-24 years old*

Monthly fees 3

$0/month

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*Including students

25-59 years old

Monthly fees 3

$3.95/month

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60 plus

Monthly fees 3

$3.95/month

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No monthly fees 3

  • Ages 65 and over receiving the Guaranteed Income Supplement (GIS)
  • Ages 18 and over who are beneficiaries of a Registered Disability Savings Plan (RDSP)
  • Indigenous peoples 9

All National Bank banking packages are available in the account comparison tool on the Canadian Financial Consumer Agency of Canada (CFCA) website.

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Good to know

As part of our commitment7, newcomers to Canada8 can enjoy their first year with no fixed monthly fees and free paper and online statements. 

Discover our other chequing accounts

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The Connected®

  • Unlimited digital transactions 1

  • Unlimited use of Interac e-Transfer®, free of charge

  • Get an eligible Platinum®, World or World Elite®, 5 Mastercard® credit card and enjoy a $5/month discount on your fixed monthly fees

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The Total®

  • Unlimited digital 1 and in-person 2 transactions

  • Unlimited use of Interac e-Transfer®, free of charge

  • Receive 100 free cheques per year 6

  • Get an eligible Platinum®, World or World Elite®, 5 Mastercard® credit card and enjoy a $10/month discount on your fixed monthly fees

Enjoy digital banking features that make your everyday life easier    

When you open a chequing account, you have access to many digital banking services:

  • Interac ® e-Transfer Autodeposit
  • Credit card alerts
  • Mobile cheque deposit
  • International money transfers
  • Direct deposit of government payments

We’re here for you

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Want to open a chequing account with The Minimalist® banking package?

Open an account online today.

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Need personalized advice?

Make an appointment or call us to answer any of your questions

Toll-free: 1-888-835-6281

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Find all the answers to your questions in our Help Centre
 

Little details that matter

®THE MINIMALIST, THE CONNECTED, 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.

  1. 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. 

  2. Transactions carried out at our branches during normal business hours. 

  3. The Minimalist package is offered with no flat monthly fee for those aged 24 and under, including stidemts; people under 18 years old and for Indigenous Peoples upon presentation of a valid Secure Certificate of Indian Status or Certificate of Indian Status, a letter from an Indigenous community organization (e.g., elders, band, council, etc.) confirming Indigenous status, proof of membership or registration in a Metis provincial or national representative organization, proof of membership from an Inuit land claim organization, seniors 65 years of age and older upon presentation of proof of eligibility for the Guaranteed Income Supplement, and beneficiaries (18 years of age and older) of a Registered Disability Savings Plan (RDSP) upon presentation of proof of eligibility for an RDSP.

  4. The fee is adjusted to your billing, up to a maximum of $0. 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 another banking 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.

  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.

  6. Shipping and taxes not included.

  7. This is a voluntary commitment by National Bank of Canada to comply with the Financial Consumer Agency of Canada's commitment to provide low-cost and no-cost bank accounts.

  8. For the purposes of our offer, “Newcomers” is defined as permanent residents (including people who have received “approval-in-principle” from Immigration, Refugees and Citizenship Canada to stay in Canada), refugees (protected persons) and temporary residents (including student, worker, or temporary resident permit holders).

  9. The Minimalist package is offered with no flat monthly fee for seniors aged 65 and over upon presentation of eligibility for the Guaranteed Income Supplement; for beneficiaries (aged 18 and over) of a Registered Disability Savings Plan (RDSP) upon presentation of proof of eligibility for an RDSP; for students aged 24 and under; people under 18 years old and for Indigenous Peoples upon presentation of a valid Secure Certificate of Indian Status or Certificate of Indian Status, a letter from an Indigenous community organization (e.g., elders, band, council, etc.) confirming Indigenous status, proof of membership or registration in a Metis provincial or national representative organization, or proof of membership from an Inuit land claim organization.

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

Chequing 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.

Savings account

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.