Student Banking Advantage^® Plan

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Terms and Conditions found in Scotiabank International Money Transfer Agreement apply

NO PURCHASE OR ACCOUNT OPENING NECESSARY. Contest runs from August 3^rd, 2021 at 12:00:01 am (ET) to January 31^st, 2022 at 11:59:59 pm (ET). Open to Canadian/Permanent Resident students and International Students 17+ who as of March 1^st, 2022 are resident in Canada and enrolled in a post-secondary institution in good standing. Two (2) winners will each receive 1 prize valued at CAD $30,000 consisting of (i) $10,000 deposited into a Scotiabank Student Banking Advantage Plan, (ii) a 1-year non-redeemable GIC for $10,000, and (iii) a 2-year non-redeemable GIC for $10,000. Total value of all Prizes to be awarded is CAD $60,000. One prize will be awarded to a Canadian Citizen/Permanent Resident, and one prize will be awarded to an International Student. Odds of winning depend on total number of eligible entries received from each category of entrant. Skill-testing question required. Some conditions apply. See full Official Rules at https://scotiafundsyourfuture.armreward.com/rules for complete details.

Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included in the Student Banking Advantage Plan account package.

Fees may initially be charged for e-transfers in excess of 99 in a month but will be reversed in the subsequent month.

Choose between the SCENE and Scotia Rewards reward programs.

SCENE ScotiaCard debit card: Earn 1 SCENE point for every $5 you spend on debit purchase transactions including Interac Flash^† and Visa Debit transactions from an eligible account using your SCENE ScotiaCard debit card. Normal Interac Flash transaction limits apply. SCENE points are calculated on card purchases, less any refunds, returns, or other similar credits. Other conditions and limitations apply. Visit  www.scotiabank.com/scene for complete details.  General information: SCENE points accumulated using a card will be updated within 2-3 days. SCENE points can only be redeemed at participating Cineplex Entertainment^®◊ theatres, online at www.scene.ca for other points offers (or rewards).

Scotia Rewards ScotiaCard debit card: Earn 1 Scotia Reward Point for every $5 you spend on debit purchase transactions and Interac^† Flash transactions from an eligible account using your Scotiabank Passport Debit Card. Normal Interac^† Flash transaction limits apply. Other conditions and limitation apply.  Visit www.scotiarewards.com/en-CA/Help/TermsAndConditions#ScotiaCard for complete details. 

If you’re attending a university, community college, or another recognized post-secondary school in Canada or the United States, you can take advantage of this plan. This plan is available only for full-time students registered in a course for credit. To take advantage of the account benefits, you will need to provide your branch with proof that you are enrolled full-time at a qualifying post-secondary institution each academic year prior to November 30th. When you are no longer enrolled full-time or you have not presented proof enrollment, the plan will be removed and the account will automatically be converted to an account that is suitable to you based on your recent transaction behaviour.

To qualify for the $60 welcome bonus (the “Offer”), you must:

1. Open a new Student Banking Advantage Plan (an “Eligible Account”) by January 31st, 2022; and

2. Complete either of the following activities in your Eligible Account within 60 days of Eligible Account opening:

• Set up and clear at least one (1) eligible automated and recurring direct deposit^♢♢, such as payroll, or
• Set up and clear at least one (1) eligible recurring pre-authorized transaction^♢♢ which will recur monthly for a minimum of two (2) consecutive months.

^♢♢Click here for a list of eligible direct deposits and pre-authorized transactions. Notwithstanding a transaction may be included in these lists, certain exclusions may still apply and Scotiabank reserves the right to modify these lists and to determine whether a specific direct deposit or pre-authorized transaction is eligible for the Offer. Fund transfers initiated to other Scotiabank accounts (one time or recurring, e.g. credit card or savings account), to chequing or savings accounts held at other financial institutions, or to payment processing firms, are not eligible for the Offer.

Eligibility and Exclusions: Individuals who are currently holders of a Scotiabank Chequing Account are not eligible for the Offer. Individuals who were previously holders of a Scotiabank Chequing Account within the last two (2) years are not eligible for the Offer. “Scotiabank Chequing Account” means any of the following accounts: Ultimate Package, Preferred Package, Scotia One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, Momentum Chequing, Power Chequing, Scotia One Service, Scotia Value, Student Banking Advantage Plan. Employees of Scotiabank are also not eligible for the Offer.

General Terms: The $60 cash bonus will be deposited to the Eligible Account within six (6) months from account open date provided all Offer conditions outlined above have been met. The Eligible Account must be open and in good standing until the time of payout of the cash bonus. 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 consecutive months. The Offer is non-transferable and may not be duplicated. Limit of one (1) Offer per customer, regardless of the number of Eligible Accounts opened. If more than one (1) Eligible Account is opened, only the first Eligible Account opened will be eligible for the Offer. For joint accounts, only one (1) cash bonus Offer will be applied to the primary account holder’s Eligible Account. All rates, fees, features and benefits are subject to change. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Scotiabank StartRight® Program created for Canadian Permanent Residents from 0-3 years in Canada, Investor Immigrants and Foreign Workers.

Offer eligibility: To qualify for the 1-Year No Monthly Account Fee Offer (the “Offer”), open a new Preferred Package account under the StartRight® Program (the “Account”). [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]

How this Offer Works:  During  the first 12months, your monthly Account fee will be waived and will not appear as a charge on your Account. The Account must be open and in good standing at the time of the waiver. All applicable service charges on the Account will continue to be applied monthly. After the first 12 months, you will begin to see the monthly Account fee charged to your Account unless you maintain a minimum daily closing balance of $4,000, in which case the monthly Account fee will be waived per the Account terms and conditions.

This Offer is non-transferable and cannot be combined with any other offers. Maximum one Offer per customer. All rates, fees, features and benefits are subject to change.  Offer may be changed, cancelled, or extended at any time without notice.