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About Scotiabank Internet Banking
What is Scotiabank Internet Banking?
Scotiabank Internet Banking is the newest addition to the Scotiabank Self-Service Banking suite. Internet banking offers you the flexibility to access your accounts anytime, anywhere.
Need to transfer money from your savings account to your credit card? Want to know if your paycheque has been deposited yet? Save yourself a trip to the bank. Log on to Scotiabank Internet Banking to access all your account information and conduct your banking - 24 hours a day, 7 days a week, from any PC with an Internet connection.
What can I do with Scotiabank Internet Banking?
You can view your balances and transaction history, pay bills, transfer funds between same-currency accounts, categorize your transactions for future reference and download your account history to your PC.
Registering for Scotiabank Internet Banking
What do I need to sign up for and access Scotiabank Internet Banking?
You must have an active account with Scotiabank, a ScotiaCard and access to a PC with a secure Internet connection. This could be ANYWHERE - at home, at school or at work.
We recommend that the computer be equipped with at least a 36.6K modem, a screen resolution of at least 1024 x 768 pixels and a 128-bit encrypted version of a browser (Microsoft Internet Explorer 5.01 or later, or Netscape 7.1).
The 128-bit encryption technology in these browsers provides you with added security when conducting financial transactions on the Internet.
How long does it take to register for Scotiabank Internet Banking?
Registering for Scotiabank Internet Banking is quick and easy. Simply call one of our Internet Banking Specialists at
62-SCOTIA (627-2684), answer a few short questions, obtain your password and within minutes you will be able to log on and access your accounts.
Is there a way for me to preview Scotiabank Internet Banking before I sign up?
Yes. Click on the Personal Banking Demo link located on the right-hand side of this page.
Who has access to my account information on the Internet?
As a customer, you must enter your ScotiaCard number and a password that is known only to you. Unless you have compromised your security by revealing your password to someone else, you are the only person with access to your account information using Internet banking.
Accounts
Once I have signed up for Internet banking and added additional accounts at a Scotiabank branch, how do I gain access to them on the Internet?
When you open a new account with Scotiabank, contact us to have this new account linked to your Internet banking profile.
If I have already signed up for Scotiabank Internet Banking, can I add or delete accounts from my service?
Scotiabank Internet Banking allows you to customize your online banking experience. If you do not want to view certain accounts via Scotiabank Internet Banking, you can elect to hide these accounts. If at any time in the future you wish to have access to them, you can easily change this preference.
Payments and Transfers
What are the cut-off times and valid dates
for transactions?
Bill Payments
The cut-off time for all current dated Bill Payments is 6:30pm, local time, Monday to Friday, except holidays. Any current-dated payment submitted outside of that timeframe is processed on the next business day.
If you select a "one-time only" or recurring payment for a date (or dates) in the future, payment will be processed on the specified date(s).
Although you may submit a bill payment anytime via Scotiabank Internet Banking, valid business days for processing of Bill Payments are Monday through Friday, except holidays.
Funds Transfer
Funds transfers between deposit accounts occur real-time, 7 days a week. That means that if you select a current dated transfer from your Savings Account to your Chequing Account, those funds will be available immediately.
If you select a "one-time only" or recurring transfer for a date (or dates) in the future, the transfer will be processed on the specified date(s).
Funds transfers to credit card accounts must be made by 5:00pm, local time, Monday to Friday, except holidays. Any payment submitted outside of that timeframe is processed on the next business day.
Which types of accounts can I use to pay
my bills?
You may use any of your local currency savings, chequing or current accounts to pay your bills.
At this time, you are not able to pay a bill using your Scotiabank credit card or line of credit. When this functionality is made available to you, it will be considered a cash advance.
How do I set up my bills for payment using
Internet Banking?
It's easy. Click on the Bill Payments tab, select the Search for Standard Payees link and choose from our growing list of merchants that accept payments via Scotiabank Internet banking.
Enter the account number that is printed on your bill, in alpha/numeric format. Do not enter any spaces, dashes, slashes, punctuation or other special characters.
Once I submit a bill payment, how can I be sure that the bank has received it for processing?
After you enter the bill to be paid, hit the Submit button on the Bill Pay screen and a confirmation window will appear for you to approve the total amount of the bill to be paid. Once you click on the Submit button, a confirmation number will appear to validate your transaction. Keep this confirmation number for your records.
An additional way to confirm transactions is to view your account history to see the payment posted to your account. If it is not there, click on the Activity link and verify your account history. If the transaction still does not appear, contact an Internet Banking Specialist at 62-SCOTIA (627-2684) for final confirmation.
How long does it take before the bill payment company (merchant) receives payment?
When you submit a bill payment via Scotiabank Internet banking, the money is debited from your account at the time you submit the transaction for processing. Depending on the bill payment company's processing policies, the payment may take up to four days to process.
How can I pay my Scotiabank credit card directly from my account? This is the only account I could not set up in bill payments.
To pay your Scotiabank credit card and/or line of credit, go to the Transfers tab and select the credit product you wish to pay from the Transfer To drop-down menu. Then select the account from which you would like to make the payment from the Transfer From drop-down menu. Follow the directions on the screen.
How long after transferring funds to my credit card via Internet banking does it take to be posted?
A transfer to a credit card account is debited from the deposit account immediately and processed in the bank's end-of-day processing cycle. If the transfer is made before 5:00 p.m. on a regular business day, the funds will be available the next day. If the transfer is made after 5:00 p.m., on a weekend or on a holiday, the transaction will be processed during the next business day's processing cycle.
Any transfers to your credit card accounts after 5:00 p.m. on Friday, on the weekend or on a holiday will be posted the next business day.
I am registered for Scotiabank Internet Banking in my home country and in another country. Is there a way that I can transfer money from an account in my home country to an account in another country using Internet banking?
Presently, you cannot transfer funds between accounts in different countries using Internet banking. Please contact your branch if you would like to make arrangements to transfer funds internationally.
Can I transfer funds from Scotiabank to another bank via Internet banking?
Personal banking customers: No, you can only transfer funds between your own Scotiabank accounts.
Business banking customers: Yes, if you have signed up for the Business Payments suite of products. Contact us for details on how to register today.
Record Keeping
Can I export my account information to my
PC?
Yes. You will be able to export your account data to your PC in Comma Separated Variables (CSV) format, which allows you to save the information in a number of popular spreadsheet applications.
Can I view the transaction history for all of my accounts through Internet banking? How far back?
Our Internet Banking system stores up-to-date history on your deposit and loan accounts for a period of up to 365 days. The amount of history available depends on when you registered for Scotiabank Internet Banking. The transaction history available for display is recorded from the day you register.
As an alternative to exporting your data, you can choose standard or personalized categories for your transactions and have them grouped and reported accordingly. Simply click on the Categories tab to get started.
Credit card transaction history will display as of the date that the last statement was issued on the account. Transaction history on credit card accounts does not accumulate from one statement period to the next.
If you would like to keep track of transactions over a longer period of time, you can export and save the transactions to your PC using our convenient Download feature. Or, select the Categories and Reports tabs and follow the instructions to create your own tracking mechanism within Internet Banking.
When I review my transaction history, I notice that some transactions that I have recently completed outside of Internet banking do not appear. Why is this?
Depending on the time that you completed these transactions, it is possible that they have not yet been downloaded to Scotiabank Internet Banking. This occurs due to the timing of our processing schedules. If you cannot see certain transactions, try logging on again later to allow the processing cycle to complete.
Customer Service
If I have additional questions, whom do I
contact?
You can contact an Internet Banking Specialist at 62-SCOTIA (627-2684), or you can also send a secure message via the Scotiabank Internet Banking service by clicking on the Messages link located at the top of each page. An Internet Banking Specialist will respond within three business days.
How do I get help?
For help with your computer or Internet service, please call your computer vendor or your Internet service provider.
For help while using Scotiabank Internet Banking, click on the Help button that appears on the top right-hand corner of every Internet banking screen. If you require further assistance, please contact an Internet Banking Specialist at 62-SCOTIA (627-2684).
General
When can I use Scotiabank Internet Banking?
Scotiabank Internet Banking 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/delete payees from your personal bill payment Payee list.
I have signed up for Internet banking in my home country. If I open an account with Scotiabank in another country (i.e. Barbados) will I also be able to access this account via Internet banking?
If you wish to access your account with Scotiabank in another country via Internet banking, you will need to log on to the Scotiabank Internet banking website for that country using the ScotiaCard provided to you by Scotiabank in that country (i.e. Barbados). At this time, it is not possible to view all of your Scotiabank accounts in all countries in a single Internet banking session.
When I try to access the Internet banking site, a warning message appears saying that the "security certificate was issued by an unknown authorization." What does this mean?
You may be using an older browser. Scotiabank Internet banking requires browser versions Explorer 5.01 or later, or Netscape 7.1. Some older versions show a certificate warning when accessing our secure banking site. This warning is issued because the browser is too old to understand the updated certificate authority information. You should download the latest browser. Then you can access our site and other secure sites on the Internet. Please refer to our "Required Browser" page.
Does the system automatically log me out
when I click Exit?
Yes, you are automatically logged out when you click Exit or when you close your browser. You will be required to log back on to Scotiabank Internet Banking if you wish to access your accounts.
Privacy
Will the information gathered by Scotiabank through my use of its Internet banking service be kept confidential?
In keeping with the bank's policy on customer confidentiality, all customer information submitted to us through the Internet is maintained in strict confidence. Scotiabank does not disclose any customer information unless specifically authorized to do so by you, or where disclosure is required or permitted by law.
Security
Is Internet Banking secure?
At Scotiabank, we're committed to providing you with a secure and protected environment and have several safeguards in place for Scotiabank Internet Banking.
Scotiabank Internet Banking uses industry-standard Internet security methods that encrypt or "scramble" the information that passes between your personal computer and the bank's computers. For additional information, visit our Security Centre.
Scotiabank Internet Banking is a protected environment. While we take strong measures to ensure the security of your financial transactions and the confidentiality of your information, online security is a partnership. It is extremely important that you also take precautions to ensure that the information on your personal computer remains safe and secure. For more information, visit the Safe Computing Practices section of our Security Centre.
What should I do if my ScotiaCard is lost
or stolen?
If your ScotiaCard is lost or stolen, or you suspect that your password has been compromised, or that your account(s) has been or may be accessed by an unauthorized party(ies), phone Customer Service at 625-PLUS (625-7587) or
62-SCOTIA (627-2684) immediately or visit your branch.
Password
What do I need to know to select a new password?
The first time you log on to Scotiabank Internet Banking, you will need to change the temporary password that the Internet Banking Specialist provided to you.
Your password must be easy for you to remember, but difficult for someone else to guess. To give you the flexibility to manage your access preferences, you may change your password at any time, as often as you wish. The new password must:
- Be a minimum of eight alpha/numeric characters
- Be a maximum of 16 alpha/numeric characters
- Contain a minimum of one alphabetic character
- Contain a minimum of one numeric character
- Not contain any special characters (! @#$%&*)
- Not be the same as any of your previous passwords
Note: Your password is case sensitive, so remember exactly how you entered it.
Can I change my password?
You can change your password at any time. After you log on, click on the Preferences link and select Change Password from the menu. Scotiabank Internet banking will prompt you to enter your old password and select a new password. The new password will be required the next time you log on.
Scotiabank recommends that you change your password periodically. To keep information secure, you should not reveal your password to anyone, including Scotiabank employees. If you feel your password has been compromised, you must change it immediately.
What happens if I cannot remember my password
or get locked out of the system?
Contact an Internet Banking Specialist at 62-SCOTIA
(627-2684) to have your password reset.
I am having trouble logging on with my ScotiaCard and password. What should I do?
Make sure that you are entering your password correctly. Ensure that your keyboard caps or number key is not set to locked. Make sure that you did not accidentally enter spaces when you keyed in your ScotiaCard number.
If you forget your password or are having other difficulties when you are trying to log on, contact us. An Internet Banking Specialist will verify that you are the owner of the accounts and assist you in gaining access.
Clearing Your Cache
What is cache?
The cache (pronounced "cash") is a space in your computer's hard drive and in RAM memory where your browser saves copies of recently-visited Web pages. Your browser uses the cache like a short-term memory. Instead of downloading an image from a recently viewed website, it will load the image from your cache folder, thereby making the browsing process a little quicker.
Why should I clear my cache?
Most pages you view are saved in your cache for easy reference by your browser. This allows your browser to pull up the page more quickly. If others use this computer, they may be able to see pages you've seen if you do not clear the cache. If you share a computer, we recommend that you clear your cache and your History file.
How do I clear my browser's cache?
PC Instructions for Internet Explorer Users:
- Select Tools from the pull-down menu (IE 5.01 SP2 or higher)
- Select Internet Options
- In the second section, where it says Temporary Internet Files, click on the Delete Files button, then click OK
PC Instructions for Netscape Users:
- Select Edit from the pull-down menu
- Select Preferences
- In the left table, select Advanced
- Select Cache
- Click on the Clear Disk Cache button, then click OK
- Click on the Clear Memory Cache button, then click OK
Macintosh Instructions for Internet Explorer Users:
- Select Edit from the pull-down menu
- Select Preferences
- In the left table, select Web Browser
- Select Advanced
- In the second section, where it says Cache, click on the Empty Now button
Macintosh Instructions for Netscape Users:
- Select Edit from the pull-down menu
- Select Preferences
- In the left table, select Advanced
- Select Cache
- Click on the Clear Disk Cache button, then click OK
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