Laurentian Bank Clients: What to Do Before the November 6 to 8 Migration
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Laurentian Bank personal banking clients move to National Bank over the weekend of November 6 to 8, 2026. Your Laurentian Bank debit card, branches, ABMs, and online and telephone banking stop working at 4 p.m. ET on Friday, November 6, and National Bank services are restored progressively on Monday, November 9, according to National Bank's migration weekend page.
Most of the Laurentian Bank migration is automatic. A few things are not: scheduled bill payments are cancelled, Interac e-Transfers that nobody accepted are cancelled, and only 20 payees carry over. National Bank asks clients to finish preparing by November 4, 2026.
As of October 2026, Laurentian Bank clients should write down their payees, scheduled payments and account details before November 4, plan another way to pay from 4 p.m. on November 6 until November 9, then activate their National Bank debit card and give their new account number to every payer.
| Date | What happens | What you do |
|---|---|---|
| From September 28, 2026 | Migration letters and guides sent by mail or email | Read your migration guide |
| Mid-October 2026 | National Bank debit card and PIN mailed separately | Keep both, do not activate yet |
| By November 4, 2026 | Preparation deadline set by National Bank | Write down payees, scheduled payments and account details |
| November 6, 2026, 4 p.m. ET | Laurentian Bank debit card, branches, ABMs and online banking shut off | Use cash or a credit card |
| November 6 to 8, 2026 | Migration weekend, no online banking at either bank | Wait, no action required |
| From November 9, 2026 | National Bank services restored progressively | Activate debit card, sign up online, rebuild payments |
| February 28, 2027 | End of welcome terms on migrated products | Confirm or change your package |
Before the migration weekend: what to write down
National Bank says most of your banking information migrates on its own, but some of it must be set up again by hand in its online banking. Before November 4, 2026, write down:
- Accounts and balances: your latest balances for every deposit, loan and investment account, especially if you hold several accounts of the same type.
- Payees: every bill payment payee. Only 20 are migrated automatically.
- Scheduled transactions: recurring and postdated bill payments, transfers between your accounts, and transfers to other Laurentian Bank clients. All are cancelled during the migration.
- Interac e-Transfers: ask your recipients to accept any transfer you sent, and accept incoming transfers quickly. Unaccepted transfers are cancelled.
- Payments tied to your account number: direct deposits, pre-authorized debits and wire transfers that come from outside issuers.
Fraudsters know about the migration too. National Bank and Laurentian Bank will never ask for your PIN, password or verification code. Our guide to Interac e-Transfer scams covers the usual tricks.
During the weekend of November 6 to 8
From 4 p.m. ET on Friday, November 6, 2026, your Laurentian Bank debit card is deactivated, and Laurentian Bank branches, ABMs, and online and telephone banking are no longer accessible. National Bank's own online banking is also offline for everyone, existing clients included, until Monday, November 9. Interac e-Transfer service resumes that Monday.
Plan your weekend purchases: withdraw cash before Friday afternoon or use a credit card. Your Laurentian Bank credit card keeps working during and after the migration weekend.
After November 9: activate, reconnect, update
National Bank mailed new debit cards starting in mid-October 2026, with the PIN in a separate envelope. You activate the card by making a transaction with that PIN at an ABM or a store payment terminal. Then, in this order:
- Sign up for National Bank online banking and check your balances and recent transactions.
- Check your migrated payees and add any that are missing.
- Set up your scheduled bill payments and transfers again, resend any cancelled Interac e-Transfer, and turn Autodeposit back on if you use it.
- Give your new account number to your employer, government payers and every company that debits your account.
- Order new cheques. Your first order of 100 regular cheques linked to your chequing account is free until February 28, 2027.
How long redirected payments keep working
Your old Laurentian Bank account number keeps working for a while. National Bank temporarily redirects payments from outside issuers to your new account:
- 3 months: incoming wire transfers.
- 6 months: direct deposits, EDI credits, pre-authorized debits, and cheques drawn on your Laurentian Bank account or line of credit.
Update every payer well before those windows close. A pay deposit or utility debit that still points to the old number after May 2027 risks being missed.
Paying your Laurentian Bank Visa after November 8
The Laurentian Bank credit card does not move on this weekend. To pay it from National Bank online banking after November 8, add "Laurentian Bank Visa" as a supplier under the Bills tab. National Bank says details on the credit card itself, including timelines, will be sent later.
Welcome terms until February 28, 2027
National Bank applies these terms to migrated personal banking products until February 28, 2027:
- No fixed monthly fees on your chequing accounts when they are included in a package or offer for professionals.
- No fees for digital transactions that exceed those included in the Minimalist® package.
- No monthly instalments for the $12 annual fee on lines of credit, if applicable.
- No fees on your first order of 100 regular cheques linked to your chequing account.
- An interest rate bonus for clients with a High Interest Savings Account at Laurentian Bank. The rate is variable and can change without notice.
After that date, the regular conditions of your National Bank products apply, and they are detailed in the Product and Service Migration Guide. If the package assigned to you does not fit, you can change it at any time. Before February 2027, compare it with the best chequing accounts in Canada, the best no-fee chequing accounts and the best savings accounts, or put several side by side with our chequing account comparison tool.
Bottom Line
Write down your payees and scheduled payments before November 4, keep cash or a credit card for the weekend of November 6 to 8, and give your new account number to every payer within 6 months. Then use the window until February 28, 2027 to decide whether the National Bank package you were given is the right one. Our guide to chequing accounts explains what to look for, more banking guides cover fees and deposit insurance, and the Ratesopedia newsletter tracks changes like this one every week.
When does the Laurentian Bank migration to National Bank happen?
The migration of personal banking products takes place over the weekend of November 6 to 8, 2026. Laurentian Bank services shut down at 4 p.m. ET on Friday, November 6, and National Bank restores banking and debit card services progressively starting Monday, November 9, 2026. National Bank asks clients to finish their preparation by November 4.
Will my Laurentian Bank debit card work during the migration weekend?
No. Your Laurentian Bank debit card is deactivated at 4 p.m. ET on November 6, 2026, and your new National Bank debit card can only be used from November 9. Plan cash or a credit card for those 3 days, then destroy the old Laurentian Bank debit card securely.
How do I activate my new National Bank debit card?
National Bank mailed the cards starting in mid-October 2026, with the PIN in a separate envelope. From November 9, 2026, you activate the card by making a transaction with that PIN, either at an ABM or at a store payment terminal. No card is issued if you already hold an active National Bank debit card.
Will my pre-authorized debits and direct deposits still work?
Yes, for a limited time. National Bank redirects direct deposits, EDI credits, pre-authorized debits and cheques drawn on your Laurentian Bank account to your new account for 6 months, and incoming wire transfers for 3 months. Give your new account number to every payer well before those periods end.
Does my Laurentian Bank credit card change on November 6?
No. The Laurentian Bank credit card keeps working during and after the November 6 to 8, 2026 migration weekend. To pay it from National Bank online banking after November 8, add Laurentian Bank Visa as a supplier under the Bills tab. National Bank says more details on the card will be sent later.
Will I pay monthly fees on my migrated chequing account?
Not before February 28, 2027 if your chequing account is included in a package or an offer for professionals: National Bank waives fixed monthly fees until that date. After it, the regular fees of the National Bank package you hold apply, so review or change your package before the end of February 2027.
What happens to my scheduled bill payments and Interac e-Transfers?
Pending, postdated and recurring bill payments and transfers between your accounts are cancelled during the migration, and only 20 payees are migrated automatically. Interac e-Transfers not accepted before the weekend are cancelled too. Write everything down before November 4, 2026 and set it up again after November 9.
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