National Bank bank accounts and rates

We track 8 National Bank accounts, 5 personal and 3 business. 1 of them carry no monthly fee and the dearest is $100.00 a month. Every figure here comes from the institution’s own published pages, and where something is not published we leave it blank rather than record a zero. Last checked 19 August 2026.

The highest starting rate posted here is 0.55%, on the National Bank High Interest Savings Account (HISA). That account pays by balance band rather than one rate, and the bands are on its page. Posted rates only: a promotional rate that ends in ninety days is not what an institution pays, so it is recorded on the account and not counted here.

Deposits are covered by CDIC insured, taken from what the institution publishes rather than from what the scheme covers in general. What deposit insurance actually covers sets out the difference and why an unlimited provincial guarantee is not the same promise as the federal one.

Every Account, With What It Costs

• National Bank High Interest Savings Account (HISA)

  No monthly fee · 0.55% interest · 1 transaction a month

  Single rate of 0.550% published for '$0 and +' (no balance tiering). Interest paid monthly. No fixed monthly fees. Free unlimited transfers between National Bank accounts; one free ABM withdrawal per month; all other

• National Bank The Minimalist Chequing Account

  $3.95 a month · 18 transactions a monthCDIC insured

  No minimum balance waiver. $0 for ages 0 24, students, Indigenous peoples, Guaranteed Income Supplement recipients and RDSP beneficiaries (a $3.95/month discount).

• National Bank The Connected Chequing Account

  $15.95 a month · Unlimited transactionsCDIC insured

  $0/month with a $4,500 or higher balance; $0 for ages 0 24; $10.95/month for clients 60 and over

• National Bank The Total Chequing Account

  $28.95 a month · Unlimited transactionsCDIC insured

  $0/month with a $6,000 or higher balance; $18.00/month for ages 0 17, $13.00/month for ages 18 24, $23.95/month for clients 60 and over

• National Bank USD Progress Account

  Monthly fee not published

  Tiered by balance; the first three tiers pay 0.000%.

• National Bank Digital Business PackageBusiness

  $7.00 a month · Unlimited transactionsCDIC insured

• National Bank Hybrid Business PackageBusiness

  $10.00 a month · Unlimited transactionsCDIC insured

• National Bank Premium Business PackageBusiness

  $100.00 a month · Unlimited transactionsCDIC insured

Comparing across institutions? Compare every account on what it would cost you, work out what a chequing account really costs, or browse the full directory.