What You'll Receive from Immigrant Networks

Upon successful approval, you'll get access to the following career support benefits:

Eligibility Requirements

To be eligible for this offer and receive the career support benefits listed above, you must:

• Apply through Immigrant Networks during the offer period (March 5 to November 3, 2026)
• Provide your email address via the Immigrant Networks form
• Apply for eligible products through the NBC application forms received from Immigrant Networks
• Receive National Bank's approval for your application

Who is not eligible?

• Applicants who have held an eligible National Bank Mastercard credit card or Bank Account in the past 24 months
• National Bank of Canada employees

Important Timelines

How you'll receive your benefits

Once Immigrant Networks receives confirmation of your Bank Account and eligible credit card approval from National Bank, your exclusive access to Immigrant Networks benefits will be emailed to the email address associated with your Immigrant Networks account.

Disclaimer

National Bank is not responsible or liable for any aspects provided by Immigrant Networks (or the HR aspects) of this offer. This promotion is not retroactive.

Terms and conditions of the Cashback promotion - chequing account and additional cashback

Promotion Period: November 5, 2025 to November 3, 2026

Offer code: Immigrant Networks 857

Description of the Promotion: Up to $600 cashback after opening a chequing account and adding certain products or services, or carrying out certain transactions in the new account listed in the following section:

Eligibility Conditions

Cashback Payment Schedule

Consult the following table for the cashback payment date, if you meet the eligibility criteria. This is based on the date the chequing account was opened.

For the purposes of this promotion, the chequing account opening date is deemed to be the date on which the client authenticates at a branch to complete the account opening process with National Bank. The 120-day period for meeting the eligibility criteria starts on that date.

Other Conditions

• You can receive only one cashback for this chequing account.
• You must be at least 18 years old when you open the new chequing account through our digital solutions.
• You need to keep the new chequing account and the new eligible credit card (if applicable) for at least 12 months starting when the chequing account is opened. If you don't meet this condition, you'll have to reimburse a portion of the cashback for the product you didn't maintain corresponding to the period still remaining.
• You must keep your National Bank chequing account in good standing until the cashback is paid. For the purpose of this promotion, a chequing account is not in good standing if:
  • It is overdrawn, meaning it has an unauthorized negative balance.
  • It has been used in an inappropriate, unauthorized, illegal, or abusive manner, as described in section 8.7 of the National Bank Deposit Account Agreement.
• You must keep your new credit card account in good standing by meeting the conditions in the Credit Card Agreement (if applicable). For example, all minimum payments must be made on time.
• The new eligible credit card (if applicable) is granted subject to credit approval from National Bank. You must be 18 years old when you sign up for the new card. Other conditions apply to the issue of the card.
• You must not be employed by National Bank, CWB® or one of its subsidiaries. Spouses of employees are also not eligible.
• This promotion may be modified or withdrawn without prior notice.
• This promotion cannot be combined with any other National Bank cashback promotion applicable to chequing accounts or banking packages. However, it can be combined with another eligible National Bank credit card, mortgage loan, mortgage insurance, or investment promotion.

Trademarks:
® NATIONAL BANK, CWB, CRESCENDO, THE STRATEGIST, THE CONNECTED, THE TOTAL, SUPERIOR FLEX LINE, ALL-IN-ONE, MY CREDIT, ALLURE, and ECHO are registered trademarks of National Bank of Canada.
® Interac is a registered trademark of Interac Corp. Used under licence.
® Mastercard, World Mastercard, MC1, Platinum, and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.

If you are already in Canada

To complete the online application form, you will need:

• A Canadian phone number
• One of the following documents:
  • A valid and eligible passport from a country other than Canada
  • A Canadian permanent resident card
  • A Canadian driver's licence
  • A Canadian identity card (except in Quebec)
  • A Quebec health insurance card (new model)

If you are still in your home country and will be arriving in Canada in less than 90 days

No documents are required to complete your online form.

1. Three levels of savings possible on your newcomer bank account

Baseline savings of $334.92 over three years for the account

You'll save if you meet the following conditions:

• Open a bank account online before arriving with our secure form or visit a branch upon arrival.
• Sign up for our offer for newcomers.

Savings are based on:

• First year: no flat monthly fee (savings of $15.95/month for 12 months)
• Second year: flat monthly fee of $7.98 instead of $15.95 (savings of $7.97/month for 12 months)
• Third year: flat monthly fee of $11.96 instead of $15.95 (savings of $3.99/month for 12 months)

Our banking offer is available to newcomers from their home countries up to 90 days before arriving in Canada or at any point during your first 5 years in Canada. The offer may be modified, extended or withdrawn, without prior notice, at any time. The offer may not be combined or used with any other National Bank offer, promotion or benefit. Fees may apply for transactions not included in the banking offer for newcomers. For more information on transaction fees, see our Guide to Personal Banking Solutions.

Maximum savings on the account: $574.20 over 3 years

In addition to the basic savings conditions, you must:

• Maintain a minimum daily balance of $4,500

OR

Sign up for the following three products and services before the end of the first year and maintain them until the end of the special offer:

• A Mastercard® personal credit card
• Electronic bank statements
• Payroll deposit to your bank account at one of our branches at least once a month or payment of at least two bills per month electronically from this bank account

Maximum total savings of the offer: $683.30 over 3 years

To reach these savings, you must meet all the conditions for maximum savings on the account (above) and take advantage of the following services:

• 5. First cheque order free ($67.10/order). Freight and taxes extra.
• 7. Free paper bank statements for the first year ($42). The bank statement by mail is free of charge for the first 12 months following enrollment in the offer for newcomers. Starting on the 13th month, a fee of $3.50/month per account will be charged.

Please note:

• The savings depend on meeting all the requirements for the entire duration of the offer (3 years).
• If you do not meet all the conditions in a given month, your savings will be reduced.
• If you no longer have the bank account or the Newcomer Package, the savings will no longer apply.
• 6. Free National Bank ABM and in-branch withdrawals, transfers and bill payments for the first year. A fee of $2.50 per withdrawal, transfer, or bill payment at the counter applies as of the 13th month.

At the end of the third year, the Newcomer Package will automatically be migrated to The Connected® package, along with any applicable benefits. No action is required on your part. You can also browse all packages to find the one that best suits your needs.

Only one wire transfer can be made before you arrive in Canada and it must be an inter-bank transfer. This means the transfer can't be made through a third-party money transfer service.

To transfer funds to your new account from abroad, you must provide the following information to the sending bank (limit of one transfer before you arrive in Canada):

Please note that some associated banks may charge additional fees on the payment sent.

Refer to the Fee Guide for Personal Banking Solutions for details on applicable cases.

You're eligible to open a newcomer bank account if you:

• Are 18 years of age or older
• Plan to move to Canada within 90 days or have been living in Canada for 5 years or less
• Have permanent or temporary resident status with a valid work or study permit
• Are the only account user

The offer for newcomers is open to permanent residents, temporary workers and international students.

Trademarks

• ® NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.
• ™ National Bank Assistance Network is a trademark of National Bank of Canada, used under licence by authorized third parties.
• ® World Elite and Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
• ® Interac and Interac e-Transfer are registered trademarks of Interac Corp. Used under licence.
• ® THE EXCHANGE and Accel are registered trademarks of Fiserv Inc.
• ® CIRRUS is a registered trademark of Mastercard International Incorporated. Authorized user: National Bank.
• ® Allpoint is a registered trademark of ATM National LLC.

Awards and Recognition

• National Bank of Canada received the award for "Best Bank Account" for newcomers to Quebec by Milesopedia in 2025 and 2026.
• National Bank of Canada has been named best bank for newcomers to Canada for 2025 by MoneySense, for the third year in a row. Every year, the MoneySense website establishes its annual rankings by selecting some of the largest financial institutions and comparing them in terms of fees, access to credit, and services offered to newcomers.
• National Bank of Canada has been named best bank for newcomers to Canada by the money.ca website in 2025.

2. Legal Assistance Service

Telephone assistance service offered by FBA Solutions, valid for 12 months from your account opening date. The content of the packages and terms described are subject to change.

3. International Money Transfers

• The Mastercard® and Interac® international money transfer service may take 3 to 5 business days for funds to be deposited into the recipient's account.
• The service costs $5.95 per transaction, regardless of the type of account you hold.
• It allows you to send money to the United States, India, the Philippines, the United Kingdom, and the following 19 European countries: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia, and Spain.

4. Branch and ABM Network

• Access to over 360 branches and National Bank ABMs or ABMs in THE EXCHANGE™ network across Canada.
• Use all ABM features in six languages (French, English, Spanish, Traditional Chinese, Punjabi, and Arabic).

8. Cash Withdrawals Abroad

• Locate CIRRUS, Maestro® and NYCE® ABMs and payment terminals with the logos on the back of your card.
• You can then use your debit card at these ABMs in the United States and around the world, including our network of partners Accel®, Cirrus® and Allpoint®.
• Administrative or exchange rate fees may apply.

Other Information

• Member of Canada Deposit Insurance Corporation (CDIC)

© National Bank of Canada, 2026. All rights reserved. Any reproduction, in whole or in part, is strictly prohibited without the prior written permission of National Bank of Canada.