Connect National Bank to Mozaic — every National account, alongside everything else.

National Bank Internet Banking Solutions, via Plaid's OAuth integration

National Bank of Canada is one of the major Canadian banks with full Plaid OAuth support. When you pick National Bank inside Mozaic, a Plaid-managed popup loads nbc.ca and you sign in with your client number (or username) and password the same way you would on National Bank Internet Banking Solutions. If your National Bank profile has a security challenge enabled — a verification code by SMS, email, or the National Bank mobile app push — that prompts inside National's popup. The Mozaic app, the Mozaic backend, and Plaid never see your credentials.

After you authorise the connection, National Bank issues a read-only OAuth token to Plaid. Plaid forwards it to Mozaic, your accounts appear in the app within a minute, and a rolling sync schedule keeps them current. The token stays valid for roughly ninety days before National Bank requires you to reauthenticate — Mozaic surfaces an in-app reauth nudge ahead of expiry so the connection doesn't quietly fail.

Chequing, savings, Mastercards, All-In-One, mortgages — all of it

Mozaic reads every product National Bank exposes through Plaid. Deposit side: The Modular Account, The Connected Account, The Total Chequing Account, Student banking, the High Interest Savings, Investment Cash Plus, and US Dollar Savings buckets, plus the TFSA and RRSP cash savings accounts. Credit side: World Elite Mastercard, World Mastercard, ECHO Cashback Mastercard, Allure Mastercard, Platinum Mastercard, and the Syncro Mastercard for students. Liabilities: All-In-One Banking (National's HELOC-plus-chequing hybrid), personal lines of credit, and National Bank mortgages — each with current rate and principal-paid trend.

The All-In-One Banking product is one of the things that makes National distinctive — it bundles a chequing account, savings, and HELOC into a single Modular structure where surplus chequing balance pays down the HELOC automatically. Mozaic reads each component as its own line so the cash-flow narrative can show the automatic sweep separately from manual transfers.

All-In-One, the Canadian Western Bank migration, and Direct Brokerage

All-In-One Banking is National Bank's flagship combined product — a chequing account, a HELOC, and optional savings buckets in a single Modular structure. The HELOC limit is secured against your home, and surplus chequing balance can pay it down automatically. Plaid surfaces each component as its own account, so in Mozaic you'll see the chequing line, the HELOC liability, and the savings sub-accounts independently. This lets the cash-flow narrative tell the automatic sweep apart from manual transfers.

National Bank Direct Brokerage accounts are not part of this connection — and not part of any automated connection today. Direct Brokerage lives on a different system from Internet Banking Solutions, and neither Plaid nor SnapTrade currently exposes it for read-only data sync. If you hold positions at Direct Brokerage you can still track them in Mozaic as manual assets — balances, holdings, and notes you update on your own cadence — so they sit beside the rest of your accounts in net worth and goals. The day brokerage coverage opens up we'll surface a one-click upgrade from the manual entry to the API-driven sync.

If you're a former Canadian Western Bank customer, your accounts may still be on the legacy cwbank.com system during the staged 2025–2026 migration. For now, connect via the Canadian Western Bank Plaid institution; once your accounts are moved onto nbc.ca, reconnect via National Bank's OAuth and Mozaic will pick them up under the National connection.

National Bank is Quebec's anchor — and works alongside everything else

National Bank of Canada is the sixth-largest Canadian bank by deposits and the dominant retail bank in Quebec. For most National Bank customers, it's the primary chequing-and-cards institution, with everything else (brokerage, savings at digital banks, US accounts) sitting alongside. Mozaic composes them into one net-worth line in your reporting currency (CAD by default for Quebec users), narrates cash flow across the whole picture, and tracks goals — RRSP, CELI, FHSA, mortgage payoff — against the accounts that actually fund them.

The institution is just the start of the story. The rest is what your money is doing across institutions, and National Bank tends to be a very stable anchor for Quebec-anchored households.