{"id":1010809,"date":"2023-03-13T16:15:00","date_gmt":"2023-03-13T20:15:00","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1010809"},"modified":"2026-09-07T06:54:36","modified_gmt":"2026-09-07T10:54:36","slug":"national-bank-newcomer-bank-account-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/chequing-accounts\/national-bank-chequing\/national-bank-newcomer-bank-account-review","title":{"rendered":"National Bank Newcomer Bank Account review"},"content":{"rendered":"<h3>What are the benefits of the National Bank Newcomers Bank Account?<\/h3><ul class=\"list-1\"><li><strong>Open an account before you arrive in Canada.<\/strong> You can open a Newcomer Bank Account up to 90 days before you move to Canada.<\/li><li><strong>No monthly fee for up to three years.<\/strong> There\u2019s no monthly fee for the first year when you open an account. The fee is waived for a further two years when you sign up for other National Bank products and services. Over three years, this can amount to savings of over $700.<\/li><li><strong>Discounted monthly fees.<\/strong> If you choose not to sign up to the necessary products and services to activate the three-year fee-free deal, you still get 50% off the monthly fee in year two and 25% off the monthly fee in year three.<\/li><li><strong>Unlimited transactions.<\/strong> You can make unlimited electronic transactions without incurring any fees. These include debit card purchases, withdrawals, transfers, Interac e-Transfers, pre-authorized debits and cheques.<\/li><li><strong>No branch transaction fees in the first year.<\/strong> If you need to visit a branch to perform a transaction, the fee for in-branch transactions is waived for the first year.<\/li><li><strong>100 cheques.<\/strong> Your first order of 100 cheques is included with the National Bank Newcomer Bank Account.<\/li><li><strong>Free phone support for newcomers.<\/strong> You can access free and exclusive advice for newcomers for the first year after opening an account. This includes advice and assistance on topics such as housing, employment, health care and more.<\/li><li><strong>Credit card access.<\/strong> You can apply for and access a <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/national-bank\">National Bank Mastercard<\/a> even if you don\u2019t have any Canadian credit history.<\/li><li><strong>Send international transfers.<\/strong> If you want to send money to loved ones back home, you can take advantage of Mastercard and Interac international transfers.<\/li><li><strong>Mobile cheque deposits.<\/strong> This convenient feature allows you to deposit cheques into your account using the National Bank mobile app.<\/li><\/ul><h3>What should I look out for?<\/h3><ul class=\"list-12\"><li><strong>Conditions apply.<\/strong> If you want to take advantage of the offer of no monthly fee for up to three years, you\u2019ll need to sign up for a National Bank Mastercard credit card, receive online bank statements and set up a payroll deposit or electronic payment of two bills per month.<\/li><li><strong>Branch transaction fee.<\/strong> While there are no branch transaction fees for the first year, you\u2019ll pay  per in-branch transaction fee after that.<\/li><li><strong>No interest.<\/strong> Like most chequing accounts, you can\u2019t earn any interest on your account balance with the National Bank Newcomer Account.<\/li><\/ul><h3>Compare other chequing accounts<\/h3><script id=\"toppicks-datalayer\">\n  window.dataLayerState = [{\"TopPicksData_cardCategory\":\"Earn Interest\",\"TopPicksData_providerLabel\":\"EQ Bank\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":1},{\"TopPicksData_cardCategory\":\"Sign-up Offer\",\"TopPicksData_providerLabel\":\"BMO\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"true\",\"TopPicksData_position\":2},{\"TopPicksData_cardCategory\":\"Big Five Bank\",\"TopPicksData_providerLabel\":\"Scotiabank\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"true\",\"TopPicksData_position\":3}];\n<\/script>\n\n  <script>\n    window.rewardsConfigs = window.rewardsConfigs || {};\n          window.rewardsConfigs[\"bmo|chq|sep-2026~cafsa\"] = {\"startDate\":\"2026-09-02T13:00:00.000Z\",\"endDate\":\"2026-10-31T19:30:09.000Z\",\"showVisaLogo\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"isTieredReward\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $175 from Finder\",\"titleHighlight\":\"$175\",\"copyText\":\"Open a <b>BMO Performance Chequing Account<\\\/b> online through Finder and receive a <b>$175 digital Visa card + earn up to $900<\\\/b> in welcome bonuses from BMO. 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4.355-.612c1.089-.153 2.1.608 2.253 1.697a1.997 1.997 0 0 1-1.698 2.254\"><\/path><path fill=\"#232021\" d=\"M5.88 6.223a1.86 1.86 0 1 1-.733 3.417 1.86 1.86 0 0 1-3.23-.981l-.26-1.843zm-.038-.265-4.487.63.296 2.108a2.131 2.131 0 0 0 3.542 1.277A2.131 2.131 0 0 0 8.246 7.77a2.13 2.13 0 0 0-2.404-1.812\"><\/path><path fill=\"#232021\" d=\"M6.195 7.835a.066.066 0 0 1 .067-.067.392.392 0 0 0 .27-.694.064.064 0 0 1 .003-.095c.311-.262.686-.139.932.165.302.373.397.995.214 1.44-.256.622-.865.645-1.234.106a1.6 1.6 0 0 1-.252-.855M3.782 8.175a.066.066 0 0 1 .067-.067.392.392 0 0 0 .27-.694.064.064 0 0 1 .003-.095c.31-.263.685-.139.932.165.302.373.397.995.214 1.44-.256.622-.866.645-1.234.106a1.6 1.6 0 0 1-.252-.855\"><\/path><path fill=\"url(#tpc-top-picks-0000000000)\" d=\"M39.36 21.351a1.425 1.425 0 0 1 1.607 1.211 1.423 1.423 0 0 1-2.1 1.442 1.424 1.424 0 0 1-2.416-.807l-.198-1.41zm-.576.994c-.176-.217-.443-.306-.665-.118a.046.046 0 0 0-.002.068.3.3 0 0 1 .09.135.28.28 0 0 1-.283.36.047.047 0 0 0-.047.047c.005.215.058.432.18.61.262.385.697.368.88-.075.13-.318.063-.762-.153-1.027m1.722-.242c-.176-.217-.443-.306-.665-.118a.046.046 0 0 0-.002.068.3.3 0 0 1 .09.135.28.28 0 0 1-.283.36.047.047 0 0 0-.048.048c.006.214.058.43.18.61.263.384.698.367.88-.076.131-.318.063-.761-.152-1.027\"><\/path><\/g><defs><radialgradient id=\"tpc-top-picks-0000000000\" cx=\"0\" cy=\"0\" r=\"1\" gradienttransform=\"rotate(187.994 21.05 10.723)scale(4.25594 5.99724)\" gradientunits=\"userSpaceOnUse\"><stop offset=\".4\" stop-color=\"#edeef8\"><\/stop><stop offset=\".45\" stop-color=\"#f5f2e1\"><\/stop><stop offset=\".5\" stop-color=\"#f9cbd3\"><\/stop><stop offset=\".6\" stop-color=\"#dcecf6\"><\/stop><stop offset=\".7\" stop-color=\"#cac5fe\"><\/stop><stop offset=\".9\" stop-color=\"#cbe9f3\"><\/stop><stop offset=\"1\" stop-color=\"#f9e9d0\"><\/stop><\/radialgradient><lineargradient id=\"tpb-top-picks-0000000000\" x1=\"25.202\" x2=\"36.743\" y1=\"2.566\" y2=\"9.19\" gradientunits=\"userSpaceOnUse\"><stop offset=\".18\" stop-color=\"#ffd23b\"><\/stop><stop offset=\".24\" stop-color=\"#ffd835\"><\/stop><stop offset=\".29\" stop-color=\"#feda3d\"><\/stop><stop offset=\".36\" stop-color=\"#fee053\"><\/stop><stop offset=\".45\" stop-color=\"#feea77\"><\/stop><stop offset=\".55\" stop-color=\"#fdf7a9\"><\/stop><stop offset=\".6\" stop-color=\"#fdffc4\"><\/stop><stop offset=\".62\" stop-color=\"#fdf8ac\"><\/stop><stop offset=\".65\" stop-color=\"#fdee88\"><\/stop><stop offset=\".68\" stop-color=\"#fee669\"><\/stop><stop offset=\".71\" stop-color=\"#fee052\"><\/stop><stop offset=\".75\" stop-color=\"#fedb41\"><\/stop><stop offset=\".79\" stop-color=\"#fed838\"><\/stop><stop offset=\".84\" stop-color=\"#ffd835\"><\/stop><stop offset=\".9\" stop-color=\"#ffd23b\"><\/stop><\/lineargradient><clippath id=\"tpa-top-picks-0000000000\"><rect width=\"40\" height=\"25.225\" y=\"5.567\" fill=\"#fff\" rx=\"1.616\" transform=\"rotate(-8 0 5.567)\"><\/rect><\/clippath><\/defs><\/symbol><\/defs><\/svg>\n        <div class=\"topPicks__list\">\n      <div class=\"u-grid u-grid--alignStretch\">\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Earn Interest<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/banking\/eq-bank-review\/eq-bank-personal-account-review\" class=\"topPicks__productName\">EQ Bank Personal Account<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg\" srcset=\"https:\/\/www.finder.com\/niche-builder\/667c6ce57aefe.jpg\" class=\"topPicks__image\" alt=\"EQ Bank logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/eqbank-personal-account-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22bffd0c48-dbf8-4ec5-aedf-a9eeb532406b%22%2C%22product_name%22%3A%22EQ%2BBank%2BPersonal%2BAccount%22%2C%22provider_id%22%3A%225e5bd9bf-b394-4422-97dc-7e9052c4f642%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2222475%22%2C%22post_id%22%3A%221010809%22%2C%22post_path%22%3A%22chequing-accounts%252Fnational-bank-chequing%252Fnational-bank-newcomer-bank-account-review%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"1\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span><b>Earn 2.75% interest for 12 months<\/b><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No monthly account fee<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Free ATM withdrawals across Canada<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No transaction fees<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No e-Transfer fees<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch rewards--element-container\" data-niche=\"CAFSA-CHQ\" data-product-id=\"b01ef1f7-4690-430e-890a-bde8c7186248\" data-provider-id=\"17ec4faf-007c-4695-8db1-58ffc0fdcac9\" data-product-name=\"BMO Performance Chequing Account\" data-provider-name=\"BMO\" data-rewards-campaign-name=\"bmo|chq|sep-2026~cafsa\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Sign-up Offer<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/bmo-chequing\/bmo-performance-chequing-account-review\" class=\"topPicks__productName\">BMO Performance Chequing Account<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/61a07389a0135.png\" class=\"topPicks__image\" alt=\"BMO logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                                                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/finder-x-bmo-performance-chequing-account-promotion\" class=\"topPicks__lozenge topPicks__lozenge--reward\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" class=\"topPicks__rewardIcon\" aria-hidden=\"true\" focusable=\"false\"><use href=\"#tpReward-top-picks-0000000000\"><\/use><text x=\"3\" y=\"28\" fill=\"#fff\" font-family=\"'Modern Era', Arial, Helvetica, sans-serif\" font-weight=\"900\" font-style=\"italic\" font-size=\"10\" letter-spacing=\"0\" transform=\"rotate(-8 0 5.567)\">$175<\/text><\/svg><span>$175 Reward<\/span><span class=\"topPicks__rewardShimmer\" aria-hidden=\"true\"><\/span><\/a>\n                                                      <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta topPicks__cta--reward rewards--cta\" href=\"#\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/bmo-performance-chequing-account-review-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22b01ef1f7-4690-430e-890a-bde8c7186248%22%2C%22product_name%22%3A%22BMO%2BPerformance%2BChequing%2BAccount%22%2C%22provider_id%22%3A%2217ec4faf-007c-4695-8db1-58ffc0fdcac9%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2222439%22%2C%22post_id%22%3A%221010809%22%2C%22post_path%22%3A%22chequing-accounts%252Fnational-bank-chequing%252Fnational-bank-newcomer-bank-account-review%22%2C%22post_country%22%3A%22ca%22%7D\" data-card-position=\"2\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\"><a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions\" target=\"_blank\" rel=\"noopener\">T&amp;Cs apply<\/a><\/p>\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span><b>Earn a $900 welcome bonus<\/b><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Unlimited free transactions<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>$0 Interac e-Transfers<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Monthly fee waived on $4,000+ balance<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch rewards--element-container\" data-niche=\"CAFSA-CHQ\" data-product-id=\"34e22551-d045-4451-8495-3962ed302fb2\" data-provider-id=\"2237afce-e1d0-48c8-91bf-b10ba8201a29\" data-product-name=\"Scotiabank Preferred Package\" data-provider-name=\"Scotiabank\" data-rewards-campaign-name=\"scotiabank|preferred|sep-2026~cafsa\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Big Five Bank<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/scotiabank-chequing\/scotiabank-preferred-package-review\" class=\"topPicks__productName\">Scotiabank Preferred Package<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6709955f948ad.png\" class=\"topPicks__image\" alt=\"Scotiabank logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                                                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/scotiabank-preferred-package-account-promotion\" class=\"topPicks__lozenge topPicks__lozenge--reward\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" class=\"topPicks__rewardIcon\" aria-hidden=\"true\" focusable=\"false\"><use href=\"#tpReward-top-picks-0000000000\"><\/use><text x=\"3\" y=\"28\" fill=\"#fff\" font-family=\"'Modern Era', Arial, Helvetica, sans-serif\" font-weight=\"900\" font-style=\"italic\" font-size=\"10\" letter-spacing=\"0\" transform=\"rotate(-8 0 5.567)\">$100<\/text><\/svg><span>$100 Reward<\/span><span class=\"topPicks__rewardShimmer\" aria-hidden=\"true\"><\/span><\/a>\n                                                      <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta topPicks__cta--reward rewards--cta\" href=\"#\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/scotiabank-preferred-package-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%2234e22551-d045-4451-8495-3962ed302fb2%22%2C%22product_name%22%3A%22Scotiabank%2BPreferred%2BPackage%22%2C%22provider_id%22%3A%222237afce-e1d0-48c8-91bf-b10ba8201a29%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2224036%22%2C%22post_id%22%3A%221010809%22%2C%22post_path%22%3A%22chequing-accounts%252Fnational-bank-chequing%252Fnational-bank-newcomer-bank-account-review%22%2C%22post_country%22%3A%22ca%22%7D\" data-card-position=\"3\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\"><a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-scotiabank-chequing-account-reward-promotion-terms-and-conditions\" target=\"_blank\" rel=\"noopener\">T&amp;Cs apply<\/a><\/p>\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span><b>Earn a $1,000 bonus<\/b><\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Earn up to 0.90% interest on qualifying savings accounts<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Unlimited free transactions<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>$0 Interac e-Transfers<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>$16.95 monthly fee waived on $4,000+ balances<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n<h3>National Bank Newcomer Bank Account\u2019s ATM network and fees<\/h3><p>The standard fee that applies to this chequing account is $15.95 per month. So after the first three years of discounted or waived fees have passed, you\u2019ll pay a total of $191.40 each year in fees.<\/p><p>And once the first year of free branch transactions comes to an end, you\u2019ll pay  for each in-branch transaction (or $2 if you use the bill payment service).<\/p><p>In terms of its nationwide reach, National Bank has over 350 branches, so head to the National Bank website to find a branch near you. It also has a network of 3,300 <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/atm-near-me\">ATMs around Canada<\/a>, and you can make withdrawals from a National Bank ATM or an ATM in THE EXCHANGE network without incurring any fees. However, transactions carried out through the Interac ATM network incur a $0 fee while transactions at Cirrus ATMs result in a  fee.<\/p><h3>What other chequing account options does National Bank offer?<\/h3><p>This newcomer offer from National Bank applies to its <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/national-bank-chequing\/national-bank-the-connected-chequing-account-review\">The Connected Chequing Account<\/a>. The bank also offers a handful of other chequing accounts:<\/p><ul><li><strong><a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/national-bank-chequing\/national-bank-the-minimalist-chequing-account-review\">The Minimalist.<\/a><\/strong> This low-fee account includes up to 18 transactions (including two branch transactions) per month.<\/li><li><strong><a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/national-bank-chequing\/national-bank-the-total-chequing-account-review\">The Total.<\/a><\/strong> This full-featured account supports unlimited online and branch transactions, but there\u2019s a monthly fee of up to $28.95 unless you maintain an account balance of $6,000 or more.<\/li><\/ul><p>Check out our <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/national-bank-chequing\">National Bank chequing accounts<\/a> guide for a quick comparison.<\/p><h3>How do I open a National Bank Newcomer Bank Account?<\/h3><h4>National Bank Newcomer Bank Account eligibility requirements<\/h4><p>To qualify for this account, you will need to:<\/p><ul><li>Be a newcomer aged 18 or older<\/li><li>Apply up to 90 days before your arrival in Canada or within five years of your arrival<\/li><li>Be the only user of the account<\/li><\/ul><h4>Required documents and information<\/h4><p>To apply online, you will need:<\/p><ul><li>Either a Canadian permanent resident card or a valid and eligible passport from another country, or a Canadian permanent resident card.<\/li><li>A mobile phone with a Canadian phone number that you can use to take a picture of your photo ID and a selfie.<\/li><\/ul><h3>How do I deposit or withdraw my money with my Newcomer Bank Account?<\/h3><p>You can transfer money to and from your National Bank account online or via National Bank\u2019s mobile app. You can transfer funds internally to other National Bank accounts while Interac e-Transfers and international transfers are also supported. Bill payments, pre-authorized debits and debit card withdrawals (including at ATMs and when you make a purchase) are available too.<\/p><p>Deposits to your account can be made via cheque, bank transfer or Interac e-Transfer. You can also set up a direct deposit to have your pay deposited into your account, or deposit cash at an ATM or branch.<\/p><h3>Expert National Bank Newcomers Account review<\/h3><p>The National Bank Newcomers Account is solid an option worth considering if you\u2019re moving to or have already arrived in Canada. The prospect of no monthly fees for up to three years is a big selling point while support for unlimited electronic transactions will help you take care of your daily banking needs. However, just make sure you\u2019re aware of the fees that may apply once the introductory period ends.<\/p><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Is my money protected with the National Bank Newcomer Bank Account?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. National Bank is a member of the Canada Deposit Insurance Corporation. Up to $100,000 you deposit in your account will be protected in the event that the National Bank goes bankrupt.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Can I get a credit card from National Bank if I have no Canadian credit history?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. You may be able to qualify for a National Bank credit card such as a<a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/national-bank\/national-bank-syncro-mastercard\"> National Bank Syncro Mastercard<\/a> or <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/national-bank\/national-bank-echo-cashback-mastercard\">National Bank Echo Cashback Mastercard<\/a> with no credit history. In fact, applying for a National Bank credit card is a required condition to activate three years of no monthly account fees<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Where can I find out more about other bank accounts for newcomers to Canada?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Check out our guide to the <a href=\"https:\/\/www.finder.com\/ca\/banking\/best-bank-accounts-for-newcomers-to-canada\">best bank accounts for newcomers to Canada<\/a> to compare the features and deals offered by banks in Canada.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Can I open a newcomer account with National Bank before I arrive in Canada?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. You can apply from your home country up to 90 days before you arrive in Canada. You'll need to fill out an online application with your personal information, details of your scheduled arrival in Canada and your ID.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Here\u2019s your guide to this newcomer chequing account offer with no monthly fees for up to three years.<\/p>\n","protected":false},"author":516,"featured_media":805001,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"National Bank Newcomer Bank Account","_yoast_wpseo_title":"National Bank Newcomer Bank Account Review | Finder","_yoast_wpseo_metadesc":"If you\u2019re a newcomer to Canada, read our National Bank Newcomer Bank Account review for its pros and cons, eligibility criteria and 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00:51:31\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"Updated page to provide users better access to information about this product and brand.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"categories":[107189],"tags":[],"asset_tag":[],"class_list":["post-1010809","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-national-bank-chequing"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>National Bank Newcomer Bank Account Review | Finder<\/title>\n<meta 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