Our banking packages have unique rewards for unique people, like you.

Special Offer

You could earn a $300 welcome bonus!2

When you open an Ultimate Package or a Preferred Package.

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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 $300 welcome bonus with a new bank account2

 

*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 $300 welcome bonus with a new bank account2

  • Earn a savings rate of up to 4.20%24 for 5 months on your MomentumPLUS Savings Account14
  • Get unlimited debit transactions3, Interac e-Transfers transactions
  • Receive a first-year annual fee waiver (up to $150) for select credit cards12
  • Earn Scene+TM points on everyday purchases and redeem them for travel, dining, entertainment, and more10
  • View 3 more perks


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

Most perks

Ultimate Package

$0* or $30.95/monthly fee

 

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

Earn a $300 welcome bonus with a new bank account2

 

*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 $300 welcome bonus with a new bank account2

  • Earn a savings rate of up to 4.20%24 for 5 months on your MomentumPLUS Savings Account14
  • Get unlimited debit transactions3, Interac e-Transfers transactions
  • Receive a first-year annual fee waiver (up to $150) for select credit cards12
  • Earn Scene+TM points on everyday purchases and redeem them for travel, dining, entertainment, and more10
  • View 3 more perks


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

Account benefits

Grow your money

Find the right account for you 

Tools and calculators

Our interactive tools can help with RRSP decision-making, retirement income planning, budgeting, and choosing appropriate investments and more.

calculator

Retirement Savings Calculator

Find out how well your current savings and future contributions can provide for your retirement and learn how to address potential shortfalls.

no tax

TFSA Calculator


Compare future taxable investments versus investments in a TFSA, to see potential tax saving

money management

Money Finder


See where your money goes to help control your spending.

The bank for everyone

New to Canada


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

Seniors


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

Students


Worry-free banking for student life.

Youth


Start building healthy financial habits early.

All your family’s banking needs, in one package

The Ultimate Package for Families. Manage all your finances with one banking solution, made to fit your family. 

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.

Special Offer for new Scotiabank eligible mortgage

Earn a $300 welcome bonus with a new Preferred Package or Ultimate Package. Plus, pay no monthly account fees for up to a year by setting recurring payments to a new Scotiabank eligible mortgage

A word of advice

Don’t settle for one-size-fits-all, cookie cutter, "trust us we know it all" advice. Get advice that’s tailored to you with ScotiaAdvice+.

Let's get started!

Apply online or in person

Online

100% safe and secure.

In person

Talk to a Scotiabank advisor.

Special Offer

Savings Accelerator Account

Earn 1.30% interest rate on your money as it grows in your RRSP or TFSA

Top benefits

  • Available to add on to any non-registered or registered plan

  • No monthly fees

  • The higher your balance, the higher your interest rate

Tax-Free Savings Accounts (TFSA)

A TFSA is a great way to save for both short and long-term goals, with the flexibility to withdraw your money at any time without penalty.1

Registered Retirement Savings Plans (RRSP)

An RRSP is a powerful tool to help grow your retirement savings and lower the income tax you pay.

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 cards. 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 a variety of perks, the Ultimate Package is 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

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.

Tips to protect yourself against e-commerce scams

Here's a list of common e-commerce scams that you should be aware of, and what to do to protect yourself from becoming a victim.

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