Offer for law, business and IT students

• Be a full-time university student in accounting or law, or be an intern in notarial law or a full-time student at a qualifying Business school (minimum requirement: Bachelor's). Be a full-time student in information technology at the university or college level (DEC in Computer Science) in an institution recognized by the Canadian Information Center for International Credentials (cicic.ca). Exclusions: graphic designer, illustrator, animator programs or any program less than 2 years old.
• You must visit the branch once a year to update your file (show two pieces of ID, proof of full-time student status and your most recent transcript).
• Have an eligible bank account¹².

®Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

®THE EXCHANGE is a registered trademark of Fiserv Inc.

® The Interac logo and Interac e-Transfer are registered trade-marks of Interac Corp. Used under licence.

® THE TOTAL is a registered trademark of National Bank of Canada.

SECURIZONE is a registered trademark of National Bank of Canada used by NBC Assistance Inc.  

SECURIZONE:

Discount is applicable to the standard rates of the Securizone or Securizone 360 plans for as long as you benefit from an exclusive offer. If you no longer benefit from an exclusive offer, you must agree to pay the applicable regular rate in order to continue to benefit from the plan. NBC Assistance Inc. reserves the right to terminate or modify this offer at any time. Please consult the rates and other applicable conditions on the Securizone page.  

1.  Subject to credit approval by National Bank. The $451 in potential annual savings is provided as an example of what a holder could save with a typical profile if they had:

• A banking package equivalent to The Total^®available at the monthly cost of $13 for full-time post-secondary students aged 18 to 24 inclusively and
• A student line of credit with an annual current balance of $30,000
• A National Bank Platinum Mastercard^®credit card

The savings is calculated as follows:

• No flat monthly fee with The Total^® package (annual savings of $156)
• Annual discount of 0.75% on the rate for the student line of credit (annual savings of $225 for an annual current balance of $30,000).
• Savings on annual credit card fees for one of the first three years (savings of $70).

Certain eligibility conditions apply. The potential savings may not reflect the net savings that you will receive; this amount will vary depending on your financial situation and the products in which you have enrolled. 

2. Subject to credit approval by National Bank of Canada. Certain conditions apply. Three years after the card is issued, the regular annual fee in effect will automatically be charged to the account. Offer cannot be renewed.

3. A chequing account. Some services such as the passbook and paper statement by mail are not included.

4. Subject to credit approval by National Bank. Certain conditions apply. A guarantor who satisfies National Bank's criteria may be required. The annual amount is based on your personal budget needs.

5. Grace period: 

Subject to credit approval by National Bank. Transfer is possible during and after completion of studies. To maintain student benefits, the transfer of the line of credit to the National Bank must be made no later than 6 months after the end of studies. You must provide proof of attendance from your post-secondary institution located in Canada (last available proof if the transfer is at the end of your studies) and your latest transcript showing successful completion. The usual conditions for the student line of credit also apply to the transfer, with the necessary adjustments.

10. The “Prime rate” means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in CDN$ in Canada. Visit nbc.ca/primerate for the rate in effect. 

11. Subject to credit approval by National Bank.

Monthly account statement. No management fees. As a guideline, the applicable rate for a typical Student Line of Credit is comprised of the prime rate + 1%. Once an amount is borrowed from the line of credit, it accrues interest. The minimum monthly payment is limited to the monthly interest and life insurance premiums (as applicable). Examples of credit fees calculated over a 30-day period at the applicable rate as at January 22, 2024: 

12. National Bank reserves the right to cancel the savings and benefits offered as part of the offer for professionals at any time, without prior notice, if the client closes his eligible bank account or Mastercard credit card and replaces them with an ineligible account or Mastercard credit card.