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Offers for young people

Prepare your kids to manage their funds

Make an appointment

The first step toward independence

Managing your pocket money is a good way to gradually learn autonomy and responsibility. Our offers for young people are specially designed to meet their needs. Our products grow with your children from their first account into adulthood.


Ideal for

  • teaching them how to make a first online transaction
  • helping them become aware of free and safe budget management
  • showing them how to take the first steps in monitoring their online savings
  • guiding them toward autonomy

Our young people bank accounts without monthly fees

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3 ways to open a young people bank account

0 to 6 years:
education begins 

  • Make an appointment at the branch of your choice.
  • The presence of a legal representative (parent or guardian) is mandatory.
  • Start saving in your child's trust account.

7 to 12 years:
freedom with small steps

  • Make an appointment at the branch of your choice.

  • The presence of a legal representative (parent or guardian) is mandatory.

  • The child may obtain a debit card if authorized by the legal representative

13 years and older: autonomy 

  • Make an appointment at the branch of your choice.
  • The presence of a legal representative (parent or guardian) is optional.

  • The adolescent can go to the appointment alone, open the account, and get a debit card.

Do you want to open a young people account or get more information about our offers?

Make an appointment

Pouce en l'air

Did you know

If your child is 6 years or younger, the account opened on their behalf is called a trust account, that is, you maintain full responsibility even if it is in your child's name.

Pouce en l'air

Tip! 

Even after 6 years, it is strongly recommended to monitor your child’s account by making a power of attorney. Talk to an advisor.

Little details that matter

Passbooks

The passbook option has not been available to new clients since May 4, 2015. If you are an existing client who uses a passbook with your account, a $2.50 monthly fee is charged.

Legal disclaimers

TM THE MINIMALIST, THE MODEST, THE CONNECTED and THE TOTAL are trademarks of National Bank of Canada.

Fees

For the fees associated with our products and services, consult the Fee Guide [PDF].

Contract governing personal deposit and investment accounts

For more information on the terms and conditions governing your new account, consult the Contract governing personal deposit and investment accounts document [PDF].

Basic banking services

For the terms and conditions governing whether a person may open an account or cash cheques and other items from the federal government, consult our guide to Basic Banking Services [PDF].

Access to funds policy

For details of our cheque hold policy, see the Access to Funds Policy [PDF].

Coercive tied selling

To understand what coercive tied selling is and what is not allowed, consult our pamphlet What you need to know about coercive tied selling [PDF].

Canada Deposit Insurance Corporation

Please refer to our page about Canada Deposit Insurance Corporation (CDIC)

FCAC account selector tool

Discover the Financial Consumer Agency of Canada (FCAC)’s account selector tool to compare bank accounts.

Other solutions for your children

RESP

Save for your children's education and receive up to $12,800 in government grants.

Learn about RESPs

High Interest Savings Account

Benefit from a favorable interest rate and help your child in their first savings.

View the savings account

 

Ready to open an account?

Talk to one of our experts to get tailored advice.

 

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