Ultimate Package

Our award-winning banking package that offers premium perks. 

Special offer tag
Plus, earn up to $400 with an Ultimate Package and an investment plan.2 See offer details.
Get the Ultimate Package

Is this Chequing Account right for you? 

Right for you if you:

  • Can benefit from unlimited transactions per month included in this account
  • Use for everyday banking such as purchases, ABM transactions and payroll deposits

May not be right for you if you:

  • Are interested in only opening a savings account that earns interest

Package features


Account benefits

Grow your money

More perks

  • Free personalized cheques20and drafts11

  • Up to $150 ongoing annual fee waiver on select credit cards5

  • Unlimited free Global non-Scotiabank ABM withdrawals6

  • Free small safety deposit box ($60 annual fee waived)17

  • Scene+TM Program10

  • NEW! Ultimate Package Rates on select foreign exchange transactions.23

Your award-winning banking package

  • Best Chequing Account awarded by MoneyGenius on January 1, 2024 

  • Best Premium Bank Account for Bundling awarded by MoneySense on January 1, 2024

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.

The STEP allows for increased flexibility and lets you initially borrow up to 80% of the value of your home, including up to 65% under lines of credit and other secured borrowing solutions.∆*

Book an appointment

Monthly fees

$0* or $30.95/mth

* No monthly account fee by maintaining a minimum daily closing balance of $6,000 in your Ultimate Package, or a combined balance of $30,000 across your Ultimate Package and your MomentumPLUS Savings Account1


Get Rewarded with Scene+

Earn points on everyday purchases with the Scene+TM program

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  • 1 Scene+ point for every $5 spent on everyday purchases.10
  • 1 Scene+ point for every $1 spent at Cineplex.
Scene logo


  • Redeem Scene+ points for travel, shopping, entertainment, dining, banking, and more.

What you can access with every Scotia account

  • Mobile and online banking

  • Mobile cheque deposit

  • Free credit score††

  • Shop with convenient VISA Debit and Interac Flash payment options

  • Apple Pay, Google Pay and Samsung Pay

Here are some answers to our most popular questions

Scotia is the bank for everyone

Easy switch

We made switching banks easy, just for you.

Banking for seniors

Seniors aged 60+ will receive an automatic monthly account fee discount of $7.00 on the Ultimate Package.

Need help selecting your account?

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.

Let's get started!

Apply online or in person

In person

Talk to a Scotiabank advisor.