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Banking solutions for physicians

We offer a complete range of banking services1 tailored to the specific requirements of physicians and their families. From day-to-day needs like credit cards and chequing accounts to short-and long-term loans, we can help you choose the banking solution that suits you best.

Savings account

National Bank High Interest Savings Account

Save your hard-earned income with National Bank’s great rate on balances over $5,000. Enjoy account access at thousands of ATMs across Canada via THE EXCHANGE® Network. Find an ATM in your area.

All-In-OneTM

Enjoy a single banking solution with greater convenience and lower interest costs. National Bank’s All-In-One™ combines your chequing, high-interest savings, loans and mortgages in a single line-of-credit banking solution.

Every time you make a deposit to your National Bank All-In-One account, your personal debt is instantly and automatically reduced. This can dramatically lower the cost of financing major purchases such as a car, a cottage, home renovations or tuition for a child’s education.

MD Physician Package

The MD Physician Package is a banking package offered to CMA/MD World Elite® Mastercard® and CMA/MD Platinum Mastercard® credit card holders. You’ll enjoy up to three bank accounts with no monthly fee, plus attractive terms and conditions on your financing solutions.

Exclusively for CMA member physicians and their spouses, the MD Physician Package offers convenience, value and flexibility, including:


  • personal lines of credit3 at prime rate,4 with no account handling fees and unlimited transactions7
  • CMA/MD World Elite® or Platinum Mastercard®,with a generous and flexible rewards plan and an extensive travel insurance program
  • three Canadian dollar bank accounts with no service fees on transactions included in the package8

Mortgages, loans and lines of credit

Mortgages9

We can help you make the right borrowing decision and get debt-free sooner. Fixed rate? Variable rate? A combination mortgage? All-In-One? Ask your MD Advisor to refer you to a National Bank financing specialist who can help you find the mortgage solution that best fits your life and financial plan.

Loans and lines of credit9

Enjoy cost-effective flexible financing for everything from improving your cash flow to making an RRSP contribution or running your practice:


  • secured and unsecured loans and lines-of-credit term loans with maturity dates of between one and 10 years
  • RRSP loans to top up your RRSP or to take advantage of unused contribution room and generate potential tax savings

Meet with your MD Advisor to talk about incorporating borrowing advice into your integrated wealth management strategy.

Credit cards

Enjoy a generous and flexible rewards plan and an extensive travel insurance program you won't find anywhere else with the CMA/MD World Elite MasterCard®.

To open an account today, contact your MD Advisor who will put you in touch with a National Bank representative. Alternatively, call National Bank’s MD Banking Solutions Service Centre at 1 866 333-2580.

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Sign in to access your National Bank account or sign up for online services.

Find the closest ATM

1 Banking products and services are offered by National Bank of Canada through a relationship with MD Management Limited. Credit and lending products are subject to credit approval by National Bank of Canada.

2 The annual fee will be billed automatically and will appear on the Platinum Mastercard account statement. The statement of account is issued monthly. The minimum payment required corresponds to 3% of your account balance plus any overdue amount or $10, whichever amount is higher (unless your account balance is lower than $10, in which case you must pay the entire balance). If you have exceeded your credit limit, the minimum payment due will then be 3% of the account balance or the amount exceeding the credit limit, whichever is higher. The grace period is 21 days. No grace period applies to cash advances and balance transfers. Examples of credit charges calculated for a 30-day period at the rate in effect as of October 1, 2014 are as follows:

If average balance is:
Annual interest rate $500.00 $3,000.00
19.99% $8.33 $49.98

3 A statement of account is issued monthly. Account handling charge: $0.00/month. The annual interest rate for a personal line of credit is the prime rate* (representing a rate of 3.20% as at September 6, 2017). The line of credit bears interest as of the date it is used. The minimum monthly amount is limited to the monthly interest and the life insurance premium (if applicable) as long as limits are respected.

4 Prime rate means the annual variable interest rate published by National Bank from time to time as the benchmark interest rate for Canadian dollar demand loans granted by National Bank in Canada. This rate is subject to change without notice. To check the prime rate, which is updated regularly, click here.

7 Transactions carried out at National Bank ATMs, a participating merchant, through National Bank’s online banking services (including their call centre) or those related to certain operations in your account.

8 Bank account with chequing privileges. Certain services, such as paper statements, are not included.

9 Financing solutions are granted, subject to credit approval by National Bank of Canada.

ALL-IN-ONE is a trademark of National Bank of Canada.

® WORLD ELITE and MASTERCARD are registered trademarks of Mastercard International Inc. Used under licence.