Important notices

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Changes to our bank accounts

The changes made to our banking packages came into effect on January 22, 2018. We have reduced the number of banking packages available to simplify our offering.
On March 18, old products will automatically be replaced by one of our four core packages. See the FAQ below for details of our new improved products.

Changes to our banking fees

Starting January 22, 2018, we will update our fees for personal banking solutions. These changes will be reflected in our Fee Guide

See changes

New fees

> Account handling (paper statement and passbook) fees will now apply, regardless of the account balance:

	Until January 21, 2018	As of January 22, 2018
High Interest Savings Account
Statement sent by mail	Free	$2.50/month/account
Strategist, Natcan Strategist and Crescendo Account^®
Passbook⁵ or statement sent by mail	Free	$2.50/month/account
Chequing Account, USD or CAD Progress Account, Daily Interest Savings Account, Youth Savings Account, Multi-Transaction Account
Passbook⁵ or statement sent by mail	No fee with a minimum or average monthly balance of $2,500	$2.50/month/account

The changes below will apply to the following banking packages:: Accessible, Direct Access, AccessPlus, Virtuoso^®, Direct Access+, UniFee^TM, UniFee+, ClickStudent^® and Perspective

	Until January 21, 2018	As of January 22, 2018
Discount on flat monthly fee
OVATION^{®, 13} Gold Credit Card card holder	50% off (max. $5.00/month)	No discount

As of May 2018, bills paid online will be processed as transactions made through our new ABMs:

	Until end of April 2018	As of May 2018
Online bill payment	Up to 5 bills can be paid in the same transaction	Each bill paid will count as a single transaction

Therefore, your fees or number of your transactions may increase.

Changes to our financial offers

Starting January 22, 2018, we will update our offers. These changes will be reflected in our Fee Guide.

See changes

The changes below will apply to the following offers:

Wealth management; Health sciences specialists and students; Healthcare professionals and students; Business professionals and students: lawyers, notaries, CPA accountants (CA, CGA and CMA) and graduates of HEC Montréal and the Rotman School of Management in Toronto; Nurses and registered practical nurses and nursing students; Engineers, engineering graduates and engineering students; Students and young professionals

	Until January 21, 2018	As of January 22, 2018
Transactions
Sending an Interac^® e-Transfer⁴	$1.00/transfer	Free
Other services
Personalized cheques (shipping fees and taxes not included)	from 200 cheques per year to an unlimited number, depending on the offer	First order of 100 cheques included

Gold and Crescendo (Private Banking); Offer for Newcomers; Made-to-Measure Financial Package; National Bank All-In-One Banking^TM

	Until January 21, 2018	As of January 22, 2018
Transactions
Sending an Interac e-Transfer⁴	$1.00/transfer	Free

Changes to our banking packages

Starting January 22, 2018, we will update the fees for our personal banking solutions.

Below is a reminder of our four main packages as well as the changes being made.

Accessible will be renamed The Minimalist^®

THE MINIMALIST	Accessible Until January 21, 2018	The Minimalist As of January 22, 2018
Number of monthly transactions included¹	12 transactions including 2 teller-assisted transactions
Transactions²
Client Card purchase	Included
Withdrawal, transfer³, withdrawal for bill payment	Included
Sending an Interac^® e-Transfer⁴	$1.00/transfer	Free
Cheque, pre-authorized debit	Included
Branch transactions
Withdrawal, transfer, withdrawal for bill payment	2 included
Bill payment service	$2.00/bill
Other services
Online statement or statement sent by mail	Free
Passbook⁵ (if applicable)	$2.50/month/account
List of transactions at ABMs – Each – Flat fee	$0.75 1.00/month	Free
Fees
Flat monthly fee for transactions included in the package	$3.95 Flat monthly fee regardless of the account balance

No fees for young people aged 0-17, students aged 18-24⁶, seniors aged 65 and over⁷ or beneficiaries (aged 18 and over) of a Registered Disability Savings Plan (RDSP)⁸.

Direct Access will be renamed The Modest^®

THE MODEST	Direct Access Until January 21, 2018	The Modest As of January 22, 2018
Number of monthly transactions included¹	22 transactions	30 transactions
Transactions²
Client Card purchase	Included
Withdrawal, transfer³, withdrawal for bill payment	Included
Sending an Interac e-Transfer⁴	$1.00/transfer	Free
Cheque, pre-authorized debit	Included
Branch transactions
Withdrawal, transfer, withdrawal for bill payment	$1.50/transaction
Bill payment service	$2.00/bill
Other services
Online statement	Free
Statement sent by mail or passbook⁵ (if applicable)	$2.50/month/account
List of transactions at ABMs	Free
Fees
Flat monthly fee for transactions included in the package	$8.25	$9.95
Discount on flat monthly fee⁹
Young people aged 0–17	N/A	$9.95 discount
Students aged 18–24¹⁰	N/A	$9.95 discount
Clients aged 60 or older	N/A	$5.00 discount
Minimum monthly account balance to have flat monthly fee waived	$2,500	$3,000

AccesPlus will be renamed The Connected^®

THE CONNECTED	AccessPlus Until January 21, 2018	The Connected As of January 22, 2018
Number of monthly Transactions included¹	Unlimited transactions
Transactions²
Client Card purchase	Included
Withdrawal, transfer³, withdrawal for bill payment	Included
Sending an Interac e-Transfer⁴	$1.00/transfer	Free
Cheque, pre-authorized debit	Included
Branch transactions
Withdrawal, transfer, withdrawal for bill payment	$1.50/transaction
Bill payment service	$2.00/bill
Other services
Online statement	Free
Statement sent by mail or passbook⁵ (if applicable)	$2.50/month/account
List of transactions at ABMs	Free
Fees
Flat monthly fee for transactions included in the package	$14.25	$14.95
Discount on flat monthly fee⁹
Young people aged 0–17	N/A	$9.95 discount
Students aged 18–24¹⁰	N/A	$9.95 discount
Clients aged 60 or older	$5.00 discount
Minimum monthly account balance to have flat monthly fee waived	Flat monthly fee regardless of the account balance	$4,500
Other advantages
Cashback on the annual fees for a National Bank Mastercard^® credit card¹¹	No cashback	Cashback of up to $30.00

Virtuoso will be renamed The Total^®

THE TOTAL	Virtuoso Until January 21, 2018	The Total As of January 22, 2018
Number of monthly transactions included¹	Unlimited transactions
Transactions²
Client Card purchase	Included
Withdrawal, transfer³, withdrawal for bill payment	Included
Sending an Interac e-Transfer⁴	$1.00/transfer	Free
Cheque, pre-authorized debit	Included
Branch transactions
Withdrawal, transfer, withdrawal for bill payment	Included
Bill payment service	Included
Other services
Integrated line of credit¹²	Included
Online statement	Free
Statement sent by mail or passbook⁵ (if applicable)	Free	$2.50/month/account
List of transactions at ABMs	Free
100 personalized cheques	Free (shipping fees and taxes not included)
Use of the Interac network (ABM)	0.50 discount on withdrawals	Free
Use of the CIRRUS^® network (ABM)	$4,00	Free
Overdraft protection	Free
Bank drafts in CAD or foreign currency	Free
Purchase or sale of paper money in a foreign currency	Free
Automatic transfer carried out by National Bank at your request	Free
Fees
Flat monthly fee for transactions included in the package	$24.95	$25.95
Discount on flat monthly fee⁹
Young people aged 0–17	N/A	$9.95 discount
Students aged 18–24¹⁰	N/A	$9.95 discount
Clients aged 60 or older	$5.00 discount
Minimum monthly account balance to have flat monthly fee waived	$5,000	$6,000
Other advantages
Cashback on the annual fees for a National Bank Mastercard credit card¹¹	No cashback	Cashback of up to $150.00
Safety deposit box	$5.00 discount on the annual cost

Existing packages will be replaced

Removal of certain banking packages and offers

On January 22, 2018, some packages and offers will be removed from our range of solutions. Starting March 18, 2018, they will be replaced by one of our main packages.

The list below shows our existing packages and the packages that will replace each one. Existing packages will automatically be switched to the most similar main package.

12 packages that will be removed	4 main packages (new packages)
First Step CoolCash	The Minimalist^® (was Accessible)
ClickStudent Perspective Direct Access + UniFee^® i.d.	The Modest^® (was Direct Access)
UniFee +	The Connected^® (was AccessPlus)
NatPlus^®	The Total^® (was Virtuoso)

Want to see all our offers or choose another package?

Our comparison tool lets you compare all our packages and find the one that's best for you (please use Internet Explorer).

As of January 22, 2018, you may choose another package through our online services or by contacting your advisor. Use our branch locator to find one that’s near you.

Call 1-888-483-5628 at any time to talk to one of our Customer Service agents.

Amendments to the contract governing personal deposit and investment accounts

We have reworked our contract governing personal deposit and investment accounts to make it more clear and concise. We have also made some changes and introduced new elements in keeping with our new financial services approach.

The amended contract will come into effect on January 22, 2018. It replaces all previous versions of the General Information and Agreement Governing Investment, Transaction and Margin Accounts.

Please consult the documents below:

FAQ

Why did your fees change?

We regularly update our products and services. It's an opportunity to improve our offering and ensure it is aligned with our transition to e-channels. As part of this process, we may need to adjust our fees to maintain the quality of our products and services.

Will there be a fee for Interac^® e-Transfers?

Starting January 22, Interac e-Transfers will be included with all of our banking packages (see the list above or the Personal Banking Solutions document). The current fee is $1 per Interac e-Transfer, in addition to the standard fee per transaction. Fees may apply if you exceed the transaction limit for your package or if you do not have a package.

What happens on January 22, 2018?

The changes listed in our “Important Notices” section come into effect on January 22, 2018. This includes changes to our pricing (fees and packages) and the contract governing deposit accounts and personal investment accounts.

What happens on March 18, 2018?

On March 18, 2018, certain banking packages will be automatically replaced with one of our main packages. A notice was sent to clients affected by these changes. If you didn't receive a notice, visit a branch or talk to your advisor for more details. You can contact your advisor or make an appointment with them online.

Will there be changes to all packages?

Yes, all of our packages are changing. Use the interactive tool (please use the browser Internet Explorer) to see what's new.

How can I compare the old packages with the new ones?

Use the interactive tool (please use the browser Internet Explorer) to compare all of the packages.

What happens when my package is discontinued?

On March 18, 2018, your package will automatically be replaced with the one that is most similar to what you have now. Open the interactive tool (please use the browser Internet Explorer) and select your current package from the left-hand column to see your new package to the right. I'm not satisfied with the new package I've been offered.

I see that my banking package will automatically be replaced on March 18, 2018. How will this change impact the amount debited each month from my account?

You will be charged the fee for your old package until March 18. For March only, two entries for fees will appear on your statement. One will show the fees charged for the days the old package was in effect, and the other will show fees charged after your new package came into effect. From April, only the fee for your new package will appear on your statement (billed at the end of the month). See the bank accounts section for more information.

How do I change it?

Compare packages using the interactive tool (please use the browser Internet Explorer) to find the one that meets your needs. Starting January 22, you will be able to change your package online or by speaking with an advisor at a branch or over the phone.

When can I replace my package with one of the four main ones?

After January 22, 2018, you will be able to change your package through our online and mobile banking services, by visiting a branch or by calling Customer Service.

How can I change my package online?

Sign into our online or mobile banking services, select your account and click "Sign up or change your banking package" Find this option by following the steps below.

From the web:

Sign into your account
In the top menu, click “Online Applications"
In the first section “Bank accounts and Packages”, click “sign up or change your banking package”

From a mobile device:

Sign into your account
Click on the account linked to your package (in this case your chequing account)
Tap the arrow and scroll until you see a button that says "Change my banking package"
Click “Change my banking package”

Where can I find out more and sign up for one of the new packages?

View our current and future main packages in the Personal Banking Solutions document or the information above. You can sign up for any of our packages online or at a branch starting January 22, 2018. After this date, there will be more information available on our website and in our pricing guide. Until then, you can sign up for a similar package that will be replaced on January 22, 2018.

Reference material

Wave of fraudulent emails

Phishing emails are being sent to our clients. The emails ask recipients to click on a link to update their personal information. Play it safe. Do not click on the link or provide the information requested under any circumstances. National Bank will never use email to ask for your personal information, such as your social insurance number, password, etc.

Have you received a phishing email?

Learn more

If you received such a message and did not click on the link, we recommend that you delete the email.

If you are a Bank client who has received such an email and unfortunately provided the requested information, please call Customer Service as soon as possible at 1-888-483-5628 or 514-394-5555. A representative will assist you.

If you received such a message and are a client of another financial institution, please contact your institution’s customer service department.

At National Bank, we place the highest importance on safeguarding your personal information. To learn more about our policies and best practices for preventing fraud, please consult our ABCs of Security section.

Security

Fraudulent text messages

Phishing text messages are being sent to our clients. The text messages ask recipients to click on a link because the Bank has terminated their services. Play it safe. If you receive this message, do not click on the link or provide the information requested under any circumstances. National Bank will never use text message or email to ask for your personal information, such as social insurance number, etc.

Have you received a phishing text message?

If you have received this text message and did not click on the link, we recommend that you delete it.

If you are a Bank client who has received such a text message and provided the requested information, please call Customer Service as soon as possible at 1-888-483-5628 or 514-394-5555. A representative will assist you.

To learn more about our policies and best practices for preventing fraud, please consult the ABCs of Security section.

Wave of fraudulent emails

Phishing emails are being sent to our clients. The emails ask recipients to click on a link to update their personal information. Play it safe. Do not click on the link or provide the information requested under any circumstances. National Bank will never use email to ask for your personal information, such as your social insurance number, password, etc.

Have you received a phishing email?

Learn more

If you received such a message and did not click on the link, we recommend that you delete the email.

If you are a Bank client who has received such an email and unfortunately provided the requested information, please call Customer Service as soon as possible at 1-888-483-5628 or 514-394-5555. A representative will assist you.

If you received such a message and are a client of another financial institution, please contact your institution’s customer service department.

At National Bank, we place the highest importance on safeguarding your personal information. To learn more about our policies and best practices for preventing fraud, please consult our ABCs of Security section.

Little details that matter

Legal Disclamers

TM NATIONAL BANK ALL-IN-ONE BANKING, UNIFEE, THE MINIMALIST, THE MODEST, THE CONNECTED and THE TOTAL are trademarks of National Bank of Canada.

^® À LA CARTE REWARDS PLAN, PREMIA, ECHO, ALLURE, EDITION, ESCAPADE, FIRST STEP, COOLCASH, CLICKSTUDENT, NATPLUS, VIRTUOSO and OVATION are registered trademarks of National Bank of Canada.

^® MASTERCARD, WORLD MASTERCARD, WORLD ELITE and CIRRUS are registered trademarks of Mastercard International Inc. National Bank of Canada is an authorized user.

^® INTERAC is a registered trademark of Interac Inc.

^® The registered trademarks of CAA and CAA Rewards are the property of the Canadian Automobile Association, which authorizes their use.

^® ULTRAMAR is a registered trademark of Valero Energy Inc. National Bank of Canada is an authorized user.

1. When transactions are indicated as being included, they are included as long as the maximum number of transactions included in the package has not been reached. Any transaction over the maximum as well as any transaction or service that is not indicated in the above table but for which our fee guide sets out fees will be charged based on the applicable pricing for your account or based on the general pricing set out in the “Breakdown of Service Charges” section.

2. Transactions completed without a teller, including transactions at an ABM or merchant, online and mobile transactions, etc.

3. The term “transfer” includes transfers between accounts, transfers between individuals and Interac e-Transfers.

4. Fees apply to the Interac e-Transfer itself (see note 3 above) if you exceed the number of transactions included in your package or if you do not have a package.

5. The passbook option is no longer available.

6. No fees upon presentation of identity documents (proof of age) and proof of full-time student status (proof of registration, course schedule or transcripts). To allow the client to continue benefiting from no-fee banking, the package is validated annually by presenting the above documents.

7. No fees upon presentation of proof of eligibility for the Guaranteed Income Supplement.

8. No fees upon presentation of proof of eligibility for an RDSP.

9. Discounts are applied upon presentation of supporting documents.

10. The discount is for full-time students, aged 18 to 24 inclusively, attending a post-secondary institution, upon presentation of identity documents (proof of age) and proof of full-time student status (proof of registration, course schedule or transcripts). Only for individual account holders. The package is validated annually by presenting the above documents.

11. The cashback on the annual fees for a National Bank Mastercard credit card can only be applied one time, at enrolment.

12. This line of credit is subject to credit approval by National Bank of Canada. This package does not waive interest charges.

13. The discount is only for clients who already hold an OVATION Gold credit card.

14. These products are only available to current cardholders. They are no longer offered to new clients.

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Important notices

Changes to our banking fees

Changes to our financial offers

Changes to our banking packages

Amendments to the contract governing personal deposit and investment accounts

Wave of fraudulent emails

Security

Fraudulent text messages

Wave of fraudulent emails

Little details that matter

Stay tuned...

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