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About Scotiabank Internet Banking / Scotia OnLine
What is Scotiabank Internet Banking? What is Scotia OnLine?
Scotiabank Internet Banking offers you the flexibility to access your accounts anytime, anywhere. Scotia OnLine is our personal internet banking service designed to create a more effortless and convenient banking experience for you.
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 Scotia OnLine?
You can view your balances and transaction history, pay bills, transfer funds between same-currency accounts, set up recurring transfers and bill payments.
Registering for Scotia OnLine
What do I need to sign up for and access Scotia OnLine?
You must have an active account with Scotiabank, a ScotiaCard and access to a PC with a secure Internet connection.
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 6.0 or later, or Firefox 1.0 - 2.0).
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 Scotia OnLine?
Registering for Scotia OnLine is quick and easy. You can register for Scotia OnLine from any computer in minutes. It's safe secure and easy.
Is there a way for me to preview Scotia OnLine before I sign up?
Yes.View the New Scotia OnLine Demo.
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
I have signed up for Scotia OnLine and at a later date opened additional accounts at a Scotiabank branch, how do I gain access to those accounts on the Internet?
When you open a new account with Scotiabank, this account will automatically be enabled for Scotia OnLine.
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 7:00 pm, local time, Monday to Friday, except holidays. Any current-dated payment submitted outside of that timeframe is processed on the next business day.
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
The valid dates for funds transfer are Monday to Friday, excluding holidays.
Any current dated transfer submitted outside of that timeframe is processed on the next business day.
The valid dates for funds transfer to credit card accounts are 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 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 7:00 p.m. on a regular business day, the funds will be available the next day. If the transfer is made after 7:00 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 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 Scotia OnLine?
No, Scotia OnLine customers can only transfer funds between your own Scotiabank accounts.
Customer Service
If I have additional questions, whom do I contact?
Our online Help is very comprehensive and will directly link you to the corresponding help page from where you came. If you still have further questions, you can contact a Internet Banking Specialist at 62-SCOTIA (627-2684).
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 Scotia OnLine, 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.
General
When can I use Scotia OnLine?
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/delete payees from your personal bill payment Payee list.
I have signed up for Scotiabank 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 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 6.0 or later. 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 Sign- out?
Yes, you are automatically logged out when you click Sign-out 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 immediately or visit your branch.
Password
Can I change my password with Scotia OnLine?
You can change your password at any time. After you log on, click on the Preferences link and select Change Password from the menu. Scotia OnLine 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?
If you cannot remember your password, you can simply click the “Forgot Your Password?” link on the Sign-On page to reset after you have successfully answered a few authentication questions. If you have been locked out, you can contact an Internet Banking Specialist 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 are having other difficulties when you are trying to sign-on Contact Us.
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 6.0 or higher)
- Select Internet Options
- In the second section, where it says Temporary Internet Files, click on the Delete Files 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
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