National Bank The Total Chequing Account

® 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.

® MASTERCARD is a registered trademark of Mastercard International Incorporated. Authorized user: National Bank of Canada.

® THE EXCHANGE is a registered trademark of Fiserv Inc.

® CIRRUS is a registered trademark of CIRRUS SYSTEM Inc.

1. No fees for sending an Interac e-Transfer^®.

2. 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.

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

4. Subject to credit approval by National Bank of Canada. Credit charges are not waived with this package. For more information on the Integrated Line of Credit, click here.

5. Excludes any questions about any commercial or criminal activity. For all the details and conditions about the legal and estate assistance service, consult our legal assistance service page.

6. If you run out of funds during a transaction, overdraft protection allows you to recover the missing money from one of the banking products you designate when you sign up (account, line of credit or Mastercard credit card). With The Total plan, you avoid the $5 transfer fee that usually applies to each transfer when there aren't enough funds. If you want to subscribe, schedule a meeting with an advisor.

7. New holders of an eligible National Bank Mastercard credit card and a chequing account with The Total^® package will receive a discount of up to $150. Eligible credit cards and respective discounts are: Echo^® Cashback, Syncro, Platinum, World and World Elite^®. The discount only applies once after enrollment. The bank account must be opened before the credit card account to qualify for the discount offer. The amount of the discount will be applied as a credit to the credit card account statement within a maximum of 90 days after activation of the card. To qualify for the discount, the credit card account must be in good standing and the bank account must not be overdrawn. The main cardholder and co-holder of an account with The Total package may be entitled to a discount provided they each sign up for an eligible Mastercard primary card. No discount will be given to holders of an additional Mastercard card. Accounts opened with the The Total package before January 22, 2018, are not eligible for this discount. For the conditions relating to National Bank Mastercard credit cards, visit our website.

8. Shipping and taxes not included.

9. Consult the Fee Guide ⁠- Personal Banking Solutions for more details. Discounts are applied upon presentation of supporting documents.

10. 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.

11. New holders of an eligible National Bank^® Mastercard^® credit card and a chequing account with The Connected^® package will receive a $30 discount. The following credit cards are eligible: Echo^® Cash Back, Syncro, Platinum, World and World Elite^®. The discount only applies once after enrollment. The bank account must be opened before the credit card account to qualify for the discount offer. The amount of the discount will be applied as a credit to the credit card account statement within a maximum of 90 days after activation of the card. To qualify for the discount, the credit card account must be in good standing and the bank account must not be overdrawn. The main holder and the joint holder of an account with The Connected package may be entitled to a discount provided that they each sign up for an eligible main Mastercard card. No discount will be given to holders of an additional Mastercard card. Accounts opened with The Connected package before January 22, 2018, are not eligible for this discount. For the conditions relating to National Bank Mastercard credit cards, visit our website.

Transaction fees:

• Free Interac® e-Transfers²
• Free online fund transfers between your National Bank accounts⁶
• Free online bill payments⁶
• Free debit card purchases⁶
• Free stop payments for pre-authorized cheques and debits
• Free online statements
• Free access to cheque images
• Free foreign currency bank drafts
• Free bank drafts in CAD
• Free account statements by mail
• Free withdrawals, bill payments and other transactions at National Bank ABMs
• Free withdrawals and transactions at another financial institution's Interac® banking machine
• Free withdrawals and transactions at another financial institution's Cirrus® banking machine
• Free withdrawals and transactions at ABMs of financial institutions in THE EXCHANGE® network

For more information on fees for National Bank's products and services, consult the Fees – Your Guide to Personal Banking Solutions pamphlet.

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.