Day-to-Day Banking Accounts – At a Glance
[Pages:3]Day-to-Day Banking Accounts ? At a Glance
Low Transaction
Accounts
Medium Transaction
Account
Basic Banking Powerchequing? Basic
Account
Account
Banking Plan
High Transaction
Account
Scotia Value? Account
Unlimited Transaction
Account
Scotia OneTM Account
Core Account Features & Fees
Monthly Account Fee
Monthly account fee waiver with minimum daily closing balance maintained for the entire month
No. of debit transactions (any type, unless specified) included in the monthly fee
Charge for each additional debit over the monthly limit
Monthly Recordkeeping Options & Fees
Paperless
Paper Statement
Paper Statement with Cheque Image Return
Passbook
Other Optional Services/features & Fees**
Bank The Rest Program
Scene Loyalty Rewards Program
Access fee for Scotia OnLine Financial Services, Mobile Banking Services, TeleScotia, Interac Online, Scotiabank ABMs
View each electronic image of cleared cheque (free with Paperless recordkeeping option)
Access fee for each withdrawal at non-Scotiabank ABM (Interac)
Access fee for each withdrawal at VISA* or PLUS* System (within Canada & U.S)
Access fee for each withdrawal at VISA* or PLUS* System (outside Canada & U.S)
Each bill payment history or mini statement at ABM
Each assisted telephone transaction
Scotia InfoAlerts ? Monthly fee***
Each Interac Email Money Transfer
Each Cross Border Debit
Overdraft Protection fee for each month the account is overdrawn (subject to approval)
$3.95 Not applicable
12 (incl. 4 teller-assisted) $0.65
Free Free $2.00 $2.00
Free Free Free
$1.50 $1.50
$3.00
$5.00
$0.75 $1.50 $1.50 $1.00 $1.00 $5.00
$3.95 $1,000
12
$0.65
Free $1.00 $2.00 $2.00
Free Free Free
$1.50 $1.50
$3.00
$5.00
$0.75 $1.50 $1.50 $1.00 $1.00 $5.00
$8.95 $2,000
$14.95 Not applicable
$11.95 $3,000
25
50
Unlimited
$0.65
$0.65
Not applicable
Free
Free
Free
$1.00
$1.00
$1.00
$2.00
$1.00
$2.00
$2.00
$2.00
$2.00
Free
Free
Free
Free
Free
Free
Free
Free
Free
$1.50
$1.50
$1.50
$1.50
$1.50 - 2 free
$1.50
per month
$3.00
$3.00
$3.00
$5.00
$5.00
$5.00
$0.75
$0.75
$0.75
$1.50
$1.50
$1.50
Free
Free
Free
$1.00
$1.00
$1.00
$1.00
$1.00
$1.00
$5.00
$5.00
$5.00
** In addition to the account debit transaction fee, where applicable. *** The monthly fee for Scotia InfoAlerts charged to an account covers all types of alerts (SMS and/or email selected for all your accounts).
Choosing the accounts that fit the way you bank
Special Feature Plans ? At a Glance
Age 19 and under
Fulltime Student
Getting There
Savings Program?
for Youth
Student
Banking Advantage?
Plan
Age 59 and above
Scotia Plus? Program for Seniors
Core Account Features & Fees
Monthly Account Fee
Monthly account fee waiver with minimum daily closing balance maintained for the entire month
No. of debit transactions (any type, unless specified) included in the monthly fee
Free Not applicable
20
Charge for each debit transaction
$0.65
over the monthly limit
Monthly Recordkeeping Options & Fees
Paperless
Free
Paper Statement
Free
Paper Statement with Cheque Image Return
Passbook
Other Optional Services/features & Fees**
Bank The Rest Program
Scene Loyalty Rewards Program
Access fee for Scotia OnLine Financial Services, Mobile Banking Services, TeleScotia, Interac Online, Scotiabank ABMs
View each electronic image of cleared cheque (free with Paperless recordkeeping option)
Access fee for each withdrawal at non-Scotiabank ABM (Interac)
Access fee for each withdrawal at VISA* or PLUS* System (within Canada & U.S)
Access fee for each withdrawal at VISA* or PLUS* System (outside Canada & U.S)
Each bill payment history or mini statement at ABM Each assisted telephone transaction Scotia InfoAlerts ? Monthly fee***
Each Interac Email Money Transfer
Each Cross Border Debit
Overdraft Protection fee for each month the account is overdrawn (subject to approval)
Free Free
Free Free Free
Free
$1.50 $3.00
$5.00
$0.75 $1.50 $1.50 $1.00 $1.00 Not available
$1.25
Free
$2,000
Not applicable
Unlimited
Unlimited debit transactions for Scotia Plus Program eligible accounts - Powerchequing, ScotiaOne, Basic Banking, Daily Interest Savings, US dollar DIS, Euro DIS, Blue Chip, Scotia Chequing.
Not applicable Scotia Power Savings Account - $5.001 Money Master Saving Account - $5.001 Gain Plan Investment Savings - $1.25
Free
Free
Free
Free for all Scotia Plus Program eligible accounts &
Gain Plan Inv Sav. Accounts.
$2.00 for Money Master Savings Account
$2.00
$2.00
Free
Free
Free
Free
Free
Free
Free
Free
$1.50
$1.50
$1.50
$1.50
$3.00
$3.00
$5.00
$5.00
$0.75
$0.75
$1.50
$1.50
$1.50
$1.50
$1.00
$1.00
$1.00
$1.00
$5.00
$5.00
1 No fees to transfer funds to your other Scotiabank accounts using Self-Service banking options. ** In addition to the account debit transaction fee, where applicable. *** The monthly fee for Scotia InfoAlerts charged to an account covers all types of alerts (SMS and/or email selected for all your accounts).
Account Selector Reality Check Tool
Savings Accounts ? At a Glance
High Interest Savings Accounts
"Pay as You Go" Savings Accounts
Scotia Power Savings AccountTM
Money Master? Savings
Account
Scotia Gain Plan? Investment
Savings
Account
Daily Interest Savings Account
Foreign Currency Savings Accounts
U.S. $ Daily Interest Account
Euro Daily Interest Savings Account
Core Account Features & Fees
Monthly Account Fee
Free
Free
Free
Free
$1.00 U.S
1.00
Monthly account fee waiver with minimum daily closing balance Not applicable Not applicable Not applicable Not applicable $200.00 U.S. maintained for the entire month
200.00
No. of debit transactions (any type, Unlimited Unlimited
unless specified) included in the self- service self- service None
None
monthly fee
transfers1 transfers1
2
2
teller-assisted
Charge for each debit transaction over the monthly limit
$5.001
$5.001
$1.25
$1.25
$0.60 U.S.
0.60
Eligible deposit for Canada Deposit
Insurance Corporation (CDIC)
Yes
Yes
Yes
Yes
No
No
coverage
Monthly Recordkeeping Options & Fees
Paperless
Free
Free
Free
Free Not available Not available
Paper Statement
Not available $2.00
$1.00
$1.00
Free Not available
Paper Statement with Cheque Image Return
Not available Not available $2.00
$2.00
$2.00 U.S. Not available
Passbook
Not available Not available $2.00
$2.00
Free
Free
Other Optional Services/features & Fees**
Access fee for Scotia OnLine
Free
Free
Free
Free
Free Not available
Financial Services, Mobile
Note: Access to
Banking Services, TeleScotia, Interac Online, Scotiabank ABMs
Mobile Banking Service
not available.
View each electronic image
of cleared cheque (free with
Paperless recordkeeping option)
Free
$1.50
$1.50
Access fee for each withdrawal
at non-Scotiabank ABM (Interac)
$1.50
$1.50
$1.50
Access fee for each withdrawal
at VISA* or PLUS* System
$3.00
$3.00
$3.00
(within Canada & U.S)
Access fee for each withdrawal
at VISA* or PLUS* System
$5.00
$5.00
$5.00
(outside Canada & U.S)
Each bill payment history or mini statement at ABM
$0.75
$0.75
$0.75
Each assisted telephone transaction $1.50
$1.50
$1.50
Scotia InfoAlerts ? Monthly fee*** $1.50
$1.50
$1.50
Each Interac Email Money Transfer $1.00
$1.00
$1.00
Each Cross Border Debit
$1.00
$1.00
$1.00
Overdraft Protection fee for each month the account is overdrawn Not available Not available $5.00 (subject to approval)
$1.50 Not available Not available $1.50 Not available Not available $3.00 Not available Not available
$5.00 Not available Not available
$0.75 Not available Not available
$1.50 Not available Not available
$1.50
$1.50 Not available
$1.00 Not available Not available
$1.00 Not available Not available
$5.00 Not available Not available
1 No fees to transfer funds to your other Scotiabank accounts using Scotia Online, TeleScotia, Scotiabank Mobile Banking and Scotiabank ABM. For all other debit transactions (branch or ABM withdrawals, direct payment purchases, bill payments and pre-authorized payments), a $5.00 per transaction fee will apply. ** In addition to the account debit transaction fee, where applicable. *** The monthly fee for Scotia InfoAlerts charged to an account covers all types of alerts (SMS and/or email selected for all your accounts).
Choosing the accounts that fit the way you bank
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