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From paying bills to investing in your RRSP, you'll find it all within the four sections of Scotia OnLine - Banking, Borrowing, Investing and Planning Tools. For more details...
Make arrangements at your local branch to link your deposit and credit accounts to your ScotiaCard™. Your deposit accounts may include your Canadian dollar Scotiabank Current, Chequing and Savings accounts. Your credit accounts may include all your Scotiabank VISA* accounts and ScotiaLine® Personal Line of Credit accounts.
Once your accounts are linked to your ScotiaCard, you can activate your Scotia OnLine access over the Internet or by calling 1-800-4-SCOTIA (1-800-472-6842), or in Toronto (416) 701-7200 and speak to a customer service representative.
Scotia OnLine is available 24 hours a day, 7 days a week, 365 days a year, except for brief intervals, when the system is taken off-line for maintenance. This is scheduled at times when it is least likely to interfere with your use of the service. When this happens, you can still pay bills and transfer funds, but you will not be able to check your account balances/histories, or add or delete payees from your personal bill payment Payee list.
Bill Payments
The Bill Payment cut-off time is 8:30 pm. E.T., Monday to Friday excluding national holidays. Bills cannot be paid in real-time. Therefore, we recommend you pay your bills about 3 days before its due date since some companies take 2 to 3 days to process and post the payment to your account.
Bill payments made after 8:30 p.m. E.T., weekends, or on statutory holidays will be forwarded the next business day.
Funds Transfers
The cut-off time for all current dated Funds Transfers is midnight Eastern Time. Funds Transfers can be completed 6 days a week. Funds Transfers completed on Sundays and national holidays will be posted to your account as of the next valid business day.
Post-dating Bill Payments and Funds Transfers
You may post-date bill payments and funds transfers for up to one year in advance. So that your post-dated transactions are handled as requested, please make sure that there are sufficient funds in your account by 6 p.m. Eastern Time on the date the transaction is to be processed. Accounts with insufficient funds will not be honoured.
Business operating loan transfers
are not eligible for post-dating.
Is Internet Banking secure?
Scotia OnLine uses industry standard Internet Security methods that encrypt or "scramble" the information that passes between your personal computer and the bank's computers. However, you need to do your part. Use a Scotia OnLine supported browser and protect your personal information using safe computing practices.
Scotia OnLine is available for business accounts as part of Electronic Banking for business.
Yes. Make arrangements at your local branch to link your business line of credit accounts to your ScotiaCard.
Great News! There are no extra fees to use Scotia OnLine. Regular account fees only apply.
To take full advantage of the convenience of Self Service Banking at reduced rates, consider the Basic Banking Plan. A flat monthly fee of $6.50 for 50 non-teller debit** transactions gives you the opportunity for real savings on self service transaction fees.
For full details about business account service fees, please see Electronic Banking for business.
For help with your computer or Internet service, please call your computer vendor or your Internet service provider.
For help with Scotia OnLine, click on the "Help" button that appears on every screen. For specific help on that function, you can also click on the “Contact Us” button and ask your question using our “Ask Scotia” feature.
If you require further assistance, please call 1-800-4-SCOTIA
(1-800-472-6842) or (416) 701-7200 in the Toronto area, or visit your local branch.
PC Instructions for Internet Explorer Users:
1. Select "Tools" from the pull-down menu (IE 5.01 SP2 or higher).
2. Select "Internet Options".
3. In the second section where it says "Temporary Internet Files", click on the 'Delete Files' button, check ( ) the option for "Delete all offline content", then click "OK".
4. When clearing is complete (hourglass returns to mouse pointer), click "OK".
PC Instructions for Netscape Users:
1. Select "Edit" from the pull-down menu.
2. Select "Preferences".
3. In the left table, select "Advanced".
4. Select "Cache".
5. Click on the "Clear Disk Cache" button, then click on "OK".
6. Click on the "Clear Memory Cache" button, then click on "OK".
Macintosh Instructions for Internet Explorer Users:
1. Select "Edit" from the pull-down menu.
2. Select "Preferences".
3. In the left table, select "Web Browser".
4. Select "Advanced".
5. In the second section where it says "Cache", click on the
"Empty Now" button.
Macintosh Instructions for Netscape Users:
1. Select "Edit" from the pull-down menu.
2. Select "Preferences".
3. In the left table, select "Advanced".
4. Select "Cache".
5. Click on the "Clear Disk Cache" button, then click on "OK".
Macintosh Instructions for Safari Users:
1. Select "Empty Cache" from the Safari menu.
2. Click "Empty".
* VISA Int./License user The Bank of Nova Scotia.
**Non-teller transactions include any debit transaction processed without the help of a teller, such as: Transactions through Automated Banking Machines (ABMs), telephone or Internet banking Cheques Pre-authorized Payments Interac Direct Payments. Teller transactions include any debit transaction processed directly with a teller at a Scotiabank branch.
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