Do more of what makes you, you.

Find out how our banking packages can reward you.

Special Offer

You could earn a $350 welcome bonus!2

When you open an Ultimate Package or a Preferred Package.

Featured products

Most perks

Ultimate Package

$0* or $30.95/monthly fee


Ideal for customers who: Want a unique banking package with premium perks

Earn a $350 welcome bonus with a new bank account.2


*No monthly account fee by maintaining a minimum daily closing balance of $5,000 in your Ultimate Package, or a combined balance of $30,000 across your Ultimate Package and your MomentumPLUS Savings Account.1

Most popular

Preferred Package

$0* or $16.95/monthly fee 

Ideal for customers who
: Need the everyday banking features, but also want the perks

Earn a $350 welcome bonus with a new bank account.2

* No monthly account fee by maintaining a minimum daily closing balance of $4,000 for the entire month.

Find the right account for you 

The bank for everyone

Tailored chequing accounts that fit you and your needs. 

New to Canada

Bank with no monthly account fees in the first year21 with the StartRightTM Program.


If you’re 60 or older, you’ll save up to $4 on the monthly account fee.


Worry-free banking for student life.


Start building healthy financial habits early.

The benefits our Scotiabank customers love 

Get rewarded with Scene+ 

From travel and entertainment to shopping and dining, earn Scene+ points on every day purchases using your debit card or eligible credit cards10. Earn more with Scene+.

Personalized advice 

Our Scotia advisors are here to help you plan your financial future. With a simple conversation, we’ll get you on track to reach your financial goals, big and small. 

Bank your way

Get 24/7 support and customer service, go digital with our fast, secure online and mobile banking, or visit our 4,000+ branches and ABMs across Canada. Bank the way that works for you.

Award-winning banking

Bank with variety of perks. The Ultimate Package has been voted 2022 Best Premium Chequing Account for Bundling by MoneySense.

What you can access with every Scotia account

  • Mobile and online banking

  • Free credit score††

  • Shop with convenient Visa Debit and Interac Debit payment options

  • Apple Pay, Google Pay and Samsung Pay

Easy switch to Scotia

We’ve made switching banks easy. 

Ultimate Package offers homeowners more value

Preferred rates on fixed and variable rate, closed mortgages for new purchases, switches, refinances, and renewals on a Scotia Total Equity® Plan (STEP) available through an advisor.

Advice+ features

Get the right advice to help you make the most of your money

What is the difference between a chequing and savings account

Looking to open a new bank account but not sure if you should opt for a savings or chequing account?

How to open a bank account online

Opening a bank account online has never been easier -- even if you're a first-time customer.

How to budget after a pandemic year

Ready to start spending as you are leaving your home more?

Let’s find your chequing account together

Visit your nearest branch and talk with one of our financial advisors.

Here are some answers to our most popular questions

Tools and calculators

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Managing your money just got smarter

Scotia Smart Money by Advice+. A set of money management features in the Scotiabank mobile app that gives you personalized insights, advice, and more control over your money.

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Learn where you are spending and saving

A great way to plan for your financial future is to understand where you are now. Use our calculator for a better picture of your finances and to help you budget for your goals.

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Pay yourself first

With Pre-Authorized Contributions see how easy it is to reach your savings goals through regular and automatic savings.