Dual Rate Investment Account

Fully liquid Canadian investment account to enhance your cash flow
Earn a great interest rate of up to 1.0% on stable funds up to $20,000,000.
Ideal if you have stable balances
High interest earning potential
Offer full liquidity and operating account functionality

Top reasons to choose this account

If you’re looking to earn a high interest on investment and operating funds in a single account that:

  • Pays more interest for stable balances
  • Saves you time with online and on-the-go access
  • Only pay for the services you use
  • Has no monthly account maintenance fee if you maintain a $6,000 minimum monthly balance

Helpful Account Services

Great services to help you manage your money

Free Scotia® InfoAlerts

Get an email or text notification every time money moves through your account. Find out more.


Manage your money safely and efficiently with wire payments, Canadian and US dollar EFT payments (payables and receivables), pay your taxes, and more. Find out how.

Direct Deposit

Have your paycheque, pension and more automatically deposited into your account and access your money right away. Set it up.

Overdraft Protection for business

Manage everyday expenses knowing you won't be caught short of funds Protect your account.

Pay with your phone

Forgot your wallet? Use your smartphone to pay for small everyday purchases. Learn more.

Pre-Authorized Payments

Pay your Internet, cell phone bill and more automatically. No missed due dates and no late fees. Set up a payment.

Additional Information

Interac debit card purchases, ABM cash withdrawals, bill payments (including pre-authorized debits), account transfers and cheques.

Eligible for CDIC Insurance

For full details of coverage limitations, refer to the CDIC brochure. Protecting Your Deposits (38kb), or ask for a copy at your Scotiabank branch

Your Guide to Fees and Interest Schedules

Monthly Record-keeping Options and Fees, for complete details review Summary of Account Fees