Scotia One™ Chequing Account
Choose the rewards program that best suits you.
Whatever you're interested in, we've got rewards that make your every day, a little better.
Earn and redeem
Scotia Rewards travel points
Scotiabank Passport® Debit Card
Now use debit to earn travel rewards
Sign up today and get up to 10,000 Scotia Rewards points1
Earn SCENE points for
movies, meals and more
Scotiabank SCENE Debit Card
The fastest way to earn SCENE points
Sign up today and get up to
10,000 SCENE points1
Access banking at
any of our nearly 4,000 ABMs
Your access to
Instant access to Scotiabank's full range of convenient money management services
Senior's Fee (60+)
Apply in 3 Easy Steps
100% safe & secure
Top reasons to choose this account
Unlimited self-serve and teller transactions3
No monthly fee with a $4,000 minimum daily closing balance
2 Free Interac e-Transfers per month4
Bank on your time with mobile, online banking or even pay with Mobile Wallet
Monthly Record-keeping Options and Fees, for complete details review Summary of Account Fees.
|Core Account Features & Fees|
|Monthly Fee||$13.95 mo
$9.95 after Seniors Discount
|Number of debit transactions||Unlimited|
|Charge for additional debit transactions||No charge|
|Minimum daily balance to waive fee
|Cheques||Personalized cheques can be purchased|
|Scotia® InfoAlerts||No charge for Scotia® InfoAlerts. Your wireless carrier's standard text messaging fees apply|
|Discounts||Discounted Seniors banking (age 60 and over)|
|Interac e-Transfers||2 Free Interac e-Transfers per month4|
|Record Keeping Charges may apply for additional record-keeping services|
|Paper statement with cheque image return||$2.50/month|
|No interest is paid on this account.|
Helpful Account Sections
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.
All you need is an email address and you can send money to friends and family who have a Canadian bank account.
Have your paycheque, pension and more automatically deposited into your account and access your money right away.
Manage everyday expenses knowing you won't be caught short of funds.Protect your account
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To qualify for the 10,000 SCENE points or 10,000 Scotia Rewards points (the “Offer”), you must (1) open a new Scotia One™ Account with a SCENE ScotiaCard or Passport ScotiaCard, respectively, by April 30, 2019, and (2) set up your payroll so that it is deposited into your Eligible Account or set up a minimum of 2 separate recurring pre-authorized transactions (“PATs”) for a minimum of $25 per transaction for twelve (12) consecutive months. Your first payroll deposit or recurring PATs must be deposited or credited in the Eligible Account within 60 days of account opening. The Eligible Account must be open and in good standing until the time of payout. The Eligible Account is not in "good standing" if (i) it has a negative balance exceeding the authorized overdraft limit or (ii) it has been in continuous overdraft for a period of three (3) consecutive months. If you are not already a SCENE member, you will need to open a SCENE membership account and then connect it to your SCENE ScotiaCard. If the Eligible Account is opened with a SCENE ScotiaCard, the total of 10,000 SCENE points (split into two increments of 5,000 each) will appear as an adjustment on your SCENE membership account within 3 statement cycles after Eligible Account opening. If the Eligible Account is opened with a Passport ScotiaCard, the total of 10,000 Scotia Rewards points (split into two increments of 5,000 each) will appear as an adjustment on your Scotia Rewards account within 3 statement cycles after Eligible Account opening. Employees of The Bank of Nova Scotia (“Scotiabank”) and individuals who are currently or were previously holders / joint holders of a Scotiabank chequing account within the last 2 years are not eligible for this Offer. For joint accounts, if at the time of payout of the bonus points both joint account holders have either a SCENE ScotiaCard or Passport ScotiaCard, points will be split equally, otherwise points will be awarded to the primary account holder. This Offer is non-transferable; maximum one Offer per customer. All rates, fees, features and benefits are subject to change. Offers may change, be extended and cannot be combined with any other offers.
Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included in the Scotia One account package.
Only the first 2 Interac e-transfers you make each month through Scotia Online or Scotiabank Mobile banking (using your AndroidTM* phone, or iPhone or iPad mobile devices) are free. Unused free Interac e-transfers cannot be carried forward to subsequent months.
Deposits are eligible to be insured under the CDIC Act only if they are in Canadian Currency, have a term of 5 years or less and are payable in Canada.
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