Bank Accounts
National Bank of Canada: accounts and charges
8 accounts captured from National Bank of Canada's own published pages and fee schedules, captured 2026-11-15. Charges are printed exactly as published.
The Minimalist package (chequing account)
Type: chequing
| Monthly fee | $3.95/month |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 18 electronic transactions |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Included (electronic transactions include Interac e-Transfers) |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Fee Guide for Personal Banking Solutions, effective February 15, 2026. Offered with no fixed monthly fees to designated groups in the Fee Guide (including seniors 65+ receiving GIS, RDSP beneficiaries, students 24 and under, people under 18, Indigenous Peoples). No balance waiver published for the standard price (null). Excess, NSF, overdraft and ATM fees not published in excerpts reached (null).
Source: https://www.nbc.ca/content/dam/bnc/particuliers/pdf/tarification-compte/brochure-fees-banking.pdf | Captured 2026-11-15
The Connected package (chequing account)
Type: chequing
| Monthly fee | $15.95/month |
|---|---|
| Fee waiver minimum balance | $4,500 minimum daily balance to have fixed monthly fees waived |
| Included transactions | Unlimited electronic transactions |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Included |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Up to $600 cashback under the published offer for newcomers on opening a new chequing account with an eligible package (nbc.ca newcomers offer; conditions apply) |
| Interest rate as published | Not in the published capture |
Fee Guide effective February 15, 2026. Published discounts: age 24 and under free of charge; aged 60 and over $10.95. Branch transactions are not included. NSF, overdraft and ATM fees not published in excerpts reached (null).
Source: https://www.nbc.ca/content/dam/bnc/particuliers/pdf/tarification-compte/brochure-fees-banking.pdf | Captured 2026-11-15
The Total package (chequing account)
Type: chequing
| Monthly fee | $28.95/month |
|---|---|
| Fee waiver minimum balance | $6,000 minimum daily balance to have fixed monthly fees waived |
| Included transactions | Unlimited transactions (including branch transactions) |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Included |
| NSF fee | Not in the published capture |
| Overdraft | Overdraft protection included as a package advantage in the Fee Guide (no separate fee published in excerpts reached) |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Fee Guide effective February 15, 2026. The Total advantages published include use of Interac and Cirrus networks, overdraft protection, bank draft, stop payment and 100 personalized cheques (excluding shipping and taxes). NSF and ATM fees not published in excerpts reached (null).
Source: https://www.nbc.ca/content/dam/bnc/particuliers/pdf/tarification-compte/brochure-fees-banking.pdf | Captured 2026-11-15
Chequing Account (without a package / à la carte)
Type: chequing
| Monthly fee | Not in the published capture |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Not in the published capture |
| Excess transaction fee | Withdrawal, transfer, withdrawal for bill payment: $2.50/transaction as of October 26, 2025 (published fee-changes notice, up from $1.50/transaction) |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Per-transaction pricing without a package is referenced in the Fee Guide; a standalone monthly fee for this account was not published in the excerpts reached (null). e-Transfer, NSF, overdraft and ATM fees not captured (null).
Source: https://www.nbc.ca/personal/notice/fee-changes.html | Captured 2026-11-15
High Interest Savings Account
Type: hisa
| Monthly fee | No fixed monthly fees |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | One free transaction per month among the transactions listed in the Fee Guide; free transfers between your National Bank accounts through online banking |
| Excess transaction fee | $5.00 for other debit transactions (withdrawal, transfer, withdrawal for bill payment, pre-authorized debit, debit purchase) after the one free monthly transaction |
| Interac e-Transfer fee | $1.25 for sending an Interac e-Transfer (plus the $5.00 debit-transaction fee where applicable, per Fee Guide excerpts) |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | One free ABM withdrawal per month; subsequent ABM withdrawals $5.00 each (per Fee Guide service charges for this account) |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | 0.650% on balances of $0 and over (Bank account rates page, rate as of November 14, 2026) |
Service-charge figures are as published in National Bank's Fee Guide for Personal Banking Solutions as reproduced in search excerpts of nbc.ca material. NSF and overdraft figures not published on pages reached (null).
Source: https://www.nbc.ca/rates/bank-account-rates.html | Captured 2026-11-15
Progress Account in CA$ (CAD Progress Account)
Type: savings
| Monthly fee | Not in the published capture |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Not in the published capture |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Account is listed in the Fee Guide for Personal Banking Solutions (payment of interest credit: No for the CA$ chequing/progress account as excerpted). Its standalone monthly fee, transaction charges and rate were not unambiguously published in the excerpts reached in this pass, so all figures are null.
Source: https://www.nbc.ca/content/dam/bnc/particuliers/pdf/tarification-compte/brochure-fees-banking.pdf | Captured 2026-11-15
Progress Account in US$ (USD Progress Account)
Type: savings
| Monthly fee | Not in the published capture |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Not in the published capture |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Account is listed in the Fee Guide (payment of interest credit: Yes). Standalone fees and its tiered rate were not unambiguously published in the excerpts reached in this pass, so all figures are null.
Source: https://www.nbc.ca/content/dam/bnc/particuliers/pdf/tarification-compte/brochure-fees-banking.pdf | Captured 2026-11-15
Crescendo Account
Type: savings
| Monthly fee | Not in the published capture |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Not in the published capture |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | $0 and over: 0.000%; $3,000 and over: 0.050%; $30,000 and over: 0.050% (Bank account rates page) |
Rates page marks some listed transaction/savings accounts with an asterisk as no longer offered but remaining active for existing holders; the Crescendo Account appears in that rates listing. Fees were not published in excerpts reached (null).
Source: https://www.nbc.ca/rates/bank-account-rates.html | Captured 2026-11-15