Basic Banking Account

Choose the rewards program that best suits you

Earn and redeem 
Scotia Rewards travel points

Scotiabank Passport Debit Card

Scotiabank Passport® Debit Card

Now use debit to earn travel rewards

Book travel online or redeem for travel rewards1

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Earn SCENE points for
movies, meals and more

Scotia Scene Visa Debit card

Scotiabank SCENE Debit Card

The fastest way to earn SCENE points

Scotiabank SCENE rewards let you enjoy free movies, meals and more2

Calculate your rewards Open your account

Access banking at
any of our nearly 4,000 ABMs

ScotiaCard Visa Debit


Your access to

Instant access to Scotiabank's full range of convenient money management services.

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Monthly Fee


Seniors fee (age 60+)


3 easy steps

100% safe & secure

Top reasons to choose this account

  • 12 transactions every monthincluding up to 4 teller-assisted transactions4

  • 2 Free Interac e-Transfers per month5

  • Ideal if your banking needs are minimal

  • Account Details

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

    Core Account Features & Fees
    Monthly Fee $3.95 mo 
    $0.00 after Seniors Discount
    Number of debit transactions 124(up to 4 teller-assisted transactions6)
    Charge for additional debit transactions $1.25/each
    Minimum daily balance to waive fee
    Account Extras
    Interac e-Transfers
    2 Free Interac e-Transfers per month5
    Personalized cheques can be purchased
    Discounted Seniors banking (age 60 and over)
    Record Keeping Charges may apply for additional record-keeping services
    Paperless Free
    Paper Statement Free
    Paper statement with cheque image return Free
    Interest Rate
    No interest is paid on this account.

    Helpful Account Services

    Great services to help you manage your money

    Free Scotia® InfoAlerts

    Receive an email, text message, or in app push notification when important account activity happens.

    Find out more, Free Scotia® InfoAlerts
    Interac7 e-Transfer

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

    Send money now, Interac7 e-Transfer
    Pre-Authorized Payments

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

    Set up a payment, Pre-Authorized Payments
    Direct Deposit

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

    Set it up, Direct Deposit
    Western Union

    A perfect way to send funds to family and friends worldwide.

    Find out, Western Union
    Overdraft Protection

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

    Protect your account., Overdraft Protection
    Bank The Rest® Savings Program

    More about Bank the Rest

    Get started, Bank The Rest® Savings Program

    Free Add-Ons

    Make saving easier with these convenient add-ons.

    Bank The Rest® Savings Program

    Bank The Rest® Savings Program

    Pre-Authorized Contributions

    Save automatically. It's the easiest way to save for the things that matter to you


    Account Selector

    Find the right account for me

    Use this tool, Account Selector
    Chequing & Savings Comparison Tool

    Find the one that's right for you

    Use this tool, Chequing & Savings Comparison Tool
    Bank The Rest® Demo & Calculator

    Turn Your Debit Purchases Into Savings

    Use this tool, Bank The Rest® Demo & Calculator
    SCENE Calculator

    See how fast points add up!

    Use this tool, SCENE Calculator

    Additional Information

  • Transactions include3 up to 4 teller-assisted transactions and up to 12 self-serve transactions encompassing: Interac debit card purchases, ABM cash withdrawals, bill payments (including pre-authorized debits), account transfers and cheques.

  • Additional transactions cost $1.25 each.

  • Summary of Account Fees.

  • Eligible for CDIC insurance6

  • You'll need Adobe Acrobat Reader to download PDF brochures.

    Basic Banking Account

    In person

    Make an appointment

    Find a branch
    By phone 

    Takes about 8 minutes 

    1 (800) 472-6842

    Apply today

    Open your account