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Returning to Canada

Are you an international medical graduate?

Welcome back. We’re here to help you make a smooth transition during your return to Canada. MD Financial Management is number one with physicians because we put physicians first. As a resident returning to Canada, you are in an ideal position to start assembling your MD financial team. Learn more.

Your net worth

We suggest getting a firm idea of where you stand financially. Our online debt assessment tool gives you a snapshot of your:

  • net worth—the difference between what you have an what you owe
  • cash flow—where your money comes from and where it goes
  • total debt—how much debt you took on during med school

Try the net worth calculator.

Banking and credit card services

Take advantage of special banking and credit card services, tailored to your needs as a resident:

  • no monthly fee chequing account1, unlimited electronic transactions, up to 200 free cheques per year, access to over 3,300 ATM machines across Canada2, overdraft protection3 and much more
  • CMA/MD Platinum MastercardTM with no annual fee for the first two years4 and extensive travel offers and other rewards—learn more
  • a medical student and resident line of credit5 that lets you borrow up to $275,000 and get the funds you need in flexible annual increments

Talk to an MD Advisor

Together with your MD advisor, you can build a financial plan that will support you through residency and into practice. Contact MD Financial Management or call 1 866 243-9505.

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

2 Does not include Interac™ or CIRRUS® user fees.

3 Subject to credit approval by National Bank of Canada. Certain conditions apply.

4 After the first two years, the annual fee in effect at that time will be billed automatically and will appear on the account statement. The credit terms and conditions can be found in the application form. The standard interest rate of 19.99% applies (as of October 1, 2014).

TM MasterCard is a trademark of MasterCard International Inc. Authorized user: National Bank of Canada.

5 The following medical students or residents are not eligible for this program: those studying part-time, attending a non-Canadian school, enrolled under the Canadian Defence Medical Officer Training Plan (MOTP), non-Canadian citizens or non-permanent residents. Medical students or residents belonging to one of the foregoing categories may be eligible for standard loans (with a qualified Canadian resident co-applicant). All loans are subject to credit approval by National Bank of Canada.