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 5,000 SCENE points or 5,000 Scotia Rewards points (the “Offer”), you must (1) open a new Scotia One™ Account, Basic Banking Account, Basic Banking Plan, Student Banking Advantage Plan, or Getting There Savings Account for Youth (an "Eligible 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 pre-authorized transactions (“PATs”). 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. Your first payroll deposit or 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 the Eligible Account is opened with a SCENE ScotiaCard, the bonus SCENE points 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 bonus Scotia Rewards points will appear as an adjustment on your Scotia Rewards account within 3 statement cycles after Eligible Account opening. Existing Scotiabank chequing account holders are not eligible for this Offer. For joint accounts, if at the time of payout of the bonus points each joint account holder has a SCENE ScotiaCard or Passport ScotiaCard, points will be split equally. This Offer is non-transferable; only one 5,000 bonus point Offer may be applied to the each new Eligible Account. All rates, fees, features and benefits are subject to change. Offers may change, be extended and cannot be combined with any other offers.
From November 1, 2018 – April 30, 2019 new Scotia OneTM Accounts will receive an additional 5,000 SCENE points or 5,000 Scotia Rewards points (the “Bonus Offer”), with set up of payroll deposit or 2 PATs under the Offer. The additional 5,000 SCENE points, or 5,000 Scotia Rewards points, for Scotia OneTM Accounts will appear within 3 statement cycles of account opening. All other terms of the Offer apply to this Bonus Offer. Only one 5,000 point Offer and one 5,000 point Bonus Offer may be applied to each new Eligible Account (maximum 10,000 points per new Eligible Account). The Offer and Bonus Offer are non-transferable. All rates, fees, features and benefits are subject to change. Offers may change, be extended and cannot be combined with any other offers except as otherwise permitted.
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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