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Students
Engineering

Also offered:
Financial Package for engineers and graduates in engineering
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Advantages

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Chequing Account Student Line of Credit Credit Card
Contenu du sous-menu "CHEQUING ACCOUNT"


Summary description

Monthly fee

0.00 $ / month for the duration for your studies


Automated services included

Client Card purchases in Interac®, NYCE®1et Maestro®2 networks

Transactions at National Bank banking machines1 or branch counters:
withdrawals, transfers, bill payments and withdrawals for bill payments

Online transactions2:
transfers, transfers to another person and bill payments


Cheques and debits included
Cheque and preauthorized debits

200 personalized cheques per year
Cheque certification
American Express®3 travellers cheques for one
American Express®3 travellers cheques for two: fee of 0.5%


Other services included
Two drafts or money orders per year
Online or mailed account statement
Overdraft protection

Use of THE EXCHANGE®4 banking machine network
Safety deposit box4: 50% off yearly rental charges

 ( Included in the package)

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1 User fees for Interac® banking machine and point-of-sale network and the CIRRUS®4 banking machine network are also payable. No additional fees apply for use of THE EXCHANGE®4 banking machine network.
2 Certain browsers versions are required to access National Bank's Internet banking services. For information, go to nbc.ca/browsers.
3 Minimum 12-month rental in Canada. Some conditions apply, particularly concerning eligibility for safety deposit box rental. Details available in branches. Safety deposit box rental charges are indicated in the Guide to Personal Banking Solutions, which is available in branches.
® Registered trademark of Interac Inc.
®1 NYCE is a registered trademark of NYCE Payments Network, LLC.
®2 Maestro is a registered trademark of MasterCard International Inc. Currency exchange charges apply. For complete details about transactions in foreign currencies, please refer to the Agreement Governing the Use of Automated Services and Electronic Banking Solutions, available in branches or at nbc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and then converted into Canadian dollars.
®3 Registered trademark of American Express Company US. AUT Copyright: American Express Canada, Inc. 1992 SS-010-F.
®4 Registered trademark of Fiserv Inc.
®5
 Registered trademark of CIRRUS SYSTEM Inc.
Contenu du sous-menu "STUDENT LINE OF CREDIT"


Student line of credit1

The National Bank Student Line of Credit is a convenient and flexible solution for:

  • Financing all your annual tuition and education-related expenses
  • Designed as a regular Chequing account: you can access your funds at any time via Client-Card purchases, Electronic Banking Solutions or cheques.

Main advantages :

  • Advantageous interest rate
  • Credit limit established according to your needs
  • No pay-back of principal or interest while you are a full-time student
  • Option of deferring principal payments for up to 12 months after you complete your studies, within your credit limit. However, interest accrues during that period. Only interest and insurance premium payments (if applicable) must be made monthly
  • Your repayment period can be as long as 10 years after the end of your full-time studies.

Annual credit limit:
You can review and increase your credit limit1 each year according to your needs and level of studies.

Level 

Amount authorized per year

Maximum amount authorized
University undergraduate(Bachelor's) $10,000 $40,000

University graduate
(Master's or Ph.D.)

$10,000

$50,000

Transactional free services :

Client-Card purchases in Interac®, NYCE®1 and Maestro Networks®2
Cheques and preauthorized debits
Transactions at National Bank banking machines2: withdrawals, transfers, bill payments and withdrawals for bill payments
Online transactions3: transfers, transfers to another person and bill payments
Overdraft protection
200 personalized cheques per year
Online or mailed account statement

For more information regarding the advantages and conditions of the National Bank's Student line of credit, please visit our advisors at the nearest nearest branch.

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1 Subject to credit approval by National Bank of Canada. Certain conditions apply. A guarantor who meets the Bank's criteria may be required. The annual amount is based on your personal budgetary requirements. Gradual limit increases are possible.
2 User fees for the ABM network, Interac® outlets, and the CIRRUS®3 network are also payable. No additional fees apply for the use of THE EXCHANGE®4 banking machine network.
3 Certain browser versions are required to access National Bank's Internet banking services. For information, go to nbc.ca/browsers.
® Registered trademark of Interac Inc.
®1 NYCE is a registered trademark of NYCE Payments Network, LLC.
®2 Maestro is a registered trademark of MasterCard International Inc. Currency exchange charges apply. For complete details about transactions in foreign currencies, please refer to the Agreement Governing the Use of Automated Services and Electronic Banking Solutions, available in branches or at bnc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and the converted into Canadian dollars.
®3 Registered trademark of CIRRUS SYSTEM Inc.
®4 Registered trademark of Fiserv Inc.
Contenu du sous-menu "CREDIT CARD"

Platinum MasterCard®,1

A flexible, rewarding tool, your Platinum MasterCard lets you travel with complete freedom and peace of mind.
Regular rate2  19.5% / $125 per year
 No annual fee for the first 2 years3!
Reduced rate  Not offered
Additional card  No annual fee (included)
Rewards plan  Yes
Minimum credit limit  $500
 (depending on your credit file)


Platinum Card

Rewards program
Generous and flexible À la carte Rewards Plan geared to travellers
Each time you make a purchase with your Platinum MasterCard, you earn points that can be redeemed for great rewards! For each dollar spent, you earn 1.5 points.
  • Use your Platinum card for every day purchases
  • Earn 1.5 point for every dollar charged to your credit card
  • Redeem your points at the online Boutique and discover a variety of rewards including many available exclusively on the website!

How to earn points faster

  • Use your credit card to pay for your everyday expenses such as groceries, gas, bills, etc.
  • Ask for an additional card for your spouse or anyone else. Their purchases will be added to your balance thereby generating more points for you!
Insurance coverage

Travel insurance

  • Out-of-Province-of-Residence Medical/Hospital Insurance (As of May 1, 2009)
    UP TO $5,000,000.

Maximum trip coverage period is calculated based on age.

Person aged Maximum Trip Lenght
54 and under 60 days
55 to 64

31 days
65 to 74 15 days

If the trip exceeds the number of days allotted, it will not be covered by the Medical/Hospital Insurance. Coverage applies to main cardholder, their spouse and any dependent children.

  • Trip Interruption Insurance up to $5,000 per person
  • Flight Delay Insurance up to $500 per person for any flight delay of 4 hours or more
  • Baggage Insurance up to $1,000 per person in case of theft, break-in, loss or vandalism, and up to $500 per person should your checked baggage arrive more than 6 hours late

Vehicle rental insurance

  • Liability coverage in case of collision, theft or damage to a rented vehicle, charged to your Platinum MasterCard, for a rental period of 48 days or less (As of May 1, 2009. Before May 1, 2009, maximum period for coverage is 31 days)
  • Coverage of up to $2,000 during the vehicle rental period against loss, theft or damage to your personal effects

Medical, general and legal assistance4

  • In case of a medical, administrative or legal problem, you can get help anywhere in the world, 24 hours a day, by calling a toll-free number
  • You will be referred to a lawyer in the event of an emergency, even if you are abroad
  • If necessary, bail and legal fees can be paid by means of a cash advance from your credit card
  • Assistance if your baggage is lost or stolen
  • Assistance replacing travel documents and tickets that are lost or stolen while you're away
  • Emergency cash transfers
Travelling advantages

Travel when and where you want !

What's more, with the Platinum MasterCard rewards plan, you enjoy greater flexibility when making travel plans. You can:

  • Choose your own travel agency
  • Travel when you want, with the airline of your choice
  • Take advantage of last-minute discounts and seat sales
  • Redeem your points for any service offered by a travel agency, online interactive agency or airline;
  • Pay with points only or combine your points and your Platinum MasterCard
Points exchanged Travel savings
11,000 points $100
50,000 points $500
More than 50,000 points When you exchange more than 50,000 points, each additional block of 10,000 points entitles you to $100 in travel savings

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1   Subject to credit approval by National Bank of Canada. Certain conditions apply.
2 Grace period: No interest will be charged on the purchases made during the month if the balance is paid in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances and balance transfers. Minimum payment: the minimum payment to be made to the Bank every period shall be equal to 3% of the unpaid balance indicated on the monthly statement or a minimum of $10, whichever amount is higher (or the new unpaid balance if it is lower than $10). Account statement: a statement of account is sent on a monthly basis.
Examples of interest charges for a 30-day period at the rate applicable on November 1st, 2011:

Average balance

Annual interest rate

$500

$3,000

19,5%

       $8,01

    $48,08
3 Two years after the card is issued, the annual fee in effect at that time will be billed automatically and will appear on the account statement.
4

Services offered and insured by CanAssurance, a subsidiary of Blue Cross.
®

MasterCard is a registered trademark of MasterCard International Inc. Authorized user: National Bank of Canada.


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Toll free telephone number
1-866-987-1031

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