• Scotiabank StartRight Program
• Complementary Products & Services
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• Disclaimers

The content of this website is provided for the general guidance and benefit of our customers. This website is for information purposes only and is not intended to lead you to any particular direction. Even as we strive to ensure the accuracy and completeness of the information on this website, errors and omissions may occur. Services and immigration policies are subject to change.

† Scotiabank StartRight Program, created for Canadiam landed immigrants from 0-3 years in Canada, international students, and immigrant investors.

1 Offer available for one year when you open a new Scotia Powerchequing account with Scotiabank. Free banking refers to personal account level service fees only. This includes all account monthly transaction fees. It does not include fees not covered by your banking package nor fees charged by other financial institutions. Fees not covered with the Scotia Powerchequing account, including access fees to use non-Scotiabank banking machines (e.g., Interac***, VISA, or PLUS* fees) continue to apply. Cardholder service fees continue to apply for using the cross border debit service.

2 Subject to meeting Scotiabank's eligibility and credit criteria. In addition to be eligible for a Personal Borrowing product, you must be a Canadian resident and have reached the age of majority: 18 years for PEI, QC, ON, MB, SK, AB and 19 years for NL, NB, NS, BC, YK, NT, Nunavut. Application must be made within 12 months of arrival in Canada.

3 Purchase returns, payments, cash advances, fees and service charges do not qualify for a Moneyback reward.

4 Subject to availability and signing the Safety Deposit Box lease.

5 The interest rate varies for this account based on the balance in your account. There are six tiers that range from under US$1,000 to US$60,000 and over. Interest is paid on the portion of the daily closing balance that falls within the specific interest rate tier. Interest is calculated daily and paid monthly. A deposit to this account does not constitute a deposit that is insured under the Canada Deposit Insurance Act.

6 The interest rate varies for this account based on the balance in your account. There are six tiers that range from under €1,000 to €60,000 and over. Interest is paid on the portion of the daily closing balance that falls within the specific interest rate tier. Interest is calculated daily and paid monthly. A deposit to this account does not constitute a deposit that is insured under the Canada Deposit Insurance Act.

7 ABM, telephone and Internet banking services, direct payment transactions, bill payments, cheque-writing privileges and overdraft protection and are not allowed on this account.

8 Scotiabank is an authorized agent facilitating Western Union Money Transfer services. Western Union Money Transfer fees vary based on amount sent and destination. Information on Western Union Money Transfer fees can be obtained at a participating Scotiabank branch. A Scotiabank day-to-day banking account is required to use this service through participating Scotiabank branches.

9 Bank The Rest savings program can only be set-up on personal ScotiaCard bank cards. Bank The Rest savings program only transfers the available funds in your account. Your account will not be placed into overdraft.

®* The WESTERN UNION name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc, are registered and/or used in the U.S. and many foreign countries and are used with permission.

*** Interac Inc. owner of Mark INTERAC. The Bank of Nova Scotia authorized user of Mark.

* VISA Int./Lic. user The Bank of Nova Scotia

™ Trademarks of The Bank of Nova Scotia.

® Registered trademarks of The Bank of Nova Scotia.