Bank Accounts
Scotiabank: accounts and charges
11 accounts captured from Scotiabank's own published pages and fee schedules, captured 2026-11-15. Charges are printed exactly as published.
Ultimate Package
Type: chequing
| Monthly fee | $30.95/month |
|---|---|
| Fee waiver minimum balance | $6,000 minimum daily closing balance for the entire month in the Ultimate Package account, or a minimum daily closing Total Relationship Balance of $100,000 for the entire month in Eligible Accounts |
| Included transactions | Unlimited |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Free (included) |
| NSF fee | Not in the published capture |
| Overdraft | No monthly Overdraft Protection fee with the Ultimate Package |
| ATM fees | Unlimited free Global non-Scotiabank ABM withdrawals; other-bank ABM fees otherwise $2.00 Canada / $3.00 US / $5.00 outside Canada and US per fee booklet |
| Published welcome bonus | Up to $1,000 cash bonus bundle: $700 for opening a new Ultimate or Preferred Package and completing qualifying transactions, plus up to $300 additional with an eligible registered account and/or credit card; offer Oct 30, 2026 to Mar 4, 2027 |
| Interest rate as published | Not in the published capture |
Senior's pricing $23.95/month published on chequing page. NSF fee not published on the Scotiabank pages reached in this pass (null). Excess fee null because transactions are unlimited.
Source: https://www.scotiabank.com/ca/en/personal/bank-accounts/chequing-accounts.html | Captured 2026-11-15
Preferred Package
Type: chequing
| Monthly fee | $16.95/month |
|---|---|
| Fee waiver minimum balance | $4,000 minimum daily closing balance for the entire month |
| Included transactions | Unlimited |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Free (included) |
| NSF fee | Not in the published capture |
| Overdraft | Overdraft Protection: $5.00/month Monthly Plan or $5.00/use Pay-per-Use Plan (not available in Quebec); interest applies |
| ATM fees | One free non-Scotiabank ABM withdrawal per month in Canada; additional non-Scotiabank ABM: $2.00 Canada / $3.00 US / $5.00 outside Canada and US per fee booklet |
| Published welcome bonus | Up to $1,000 cash bonus bundle: $700 for opening a new Preferred or Ultimate Package and completing qualifying transactions, plus up to $300 additional; offer Oct 30, 2026 to Mar 4, 2027 |
| Interest rate as published | Not in the published capture |
Senior's pricing $12.95/month published. NSF fee not published on pages reached (null).
Source: https://www.scotiabank.com/ca/en/personal/bank-accounts/chequing-accounts.html | Captured 2026-11-15
Preferred Package for Students and Youth
Type: chequing
| Monthly fee | $0/month |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Unlimited |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Free (included) |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Up to $175 welcome bonus when you open a new Preferred Package for Students and Youth (published on Scotiabank chequing comparison pages; up to $400 in value with the Scene+ Student Banking Bundle) |
| Interest rate as published | Not in the published capture |
For eligible students and youth. Replaces the Student Banking Advantage Plan, which Scotiabank discontinued May 26, 2025 and which is therefore not listed as a current account. Waiver, NSF, overdraft and ATM figures not published on pages reached (null).
Source: https://www.scotiabank.com/ca/en/personal/bank-accounts/chequing-accounts.html | Captured 2026-11-15
Basic Plus Bank Account
Type: chequing
| Monthly fee | $11.95/month |
|---|---|
| Fee waiver minimum balance | $3,000 minimum daily closing balance for the entire month |
| Included transactions | 25 free debit transactions per month |
| Excess transaction fee | $1.25/each (published for additional debit transactions on Scotiabank Basic account pages; see notes) |
| Interac e-Transfer fee | Free Interac e-Transfer transactions |
| NSF fee | Not in the published capture |
| Overdraft | Overdraft Protection: $5.00/month Monthly Plan or $5.00/use Pay-per-Use Plan (not available in Quebec); interest applies |
| ATM fees | Scotiabank ABM: no charge stated for own-network access in fee booklet excerpts; Non-Scotiabank ABM in Canada (Interac): $2.00; US PLUS: $3.00; outside Canada/US PLUS: $5.00 (Day-to-Day Banking Companion Booklet) |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Senior's pricing $7.95/month published. Excess fee: Scotiabank's own Basic Banking Account page publishes $1.25/each for additional debit transactions; a third-party review noted Scotiabank does not publish a Basic Plus-specific excess fee on its fees page, so this figure should be re-verified on the Basic Plus page. NSF not published on pages reached (null).
Source: https://www.scotiabank.com/ca/en/personal/bank-accounts/chequing-accounts.html | Captured 2026-11-15
Basic Bank Account
Type: chequing
| Monthly fee | $3.95/month |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | 18 free transactions per month |
| Excess transaction fee | $1.25/each |
| Interac e-Transfer fee | Free Interac e-Transfer transactions |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Scotiabank ABM: no charge stated for own-network access in fee booklet excerpts; Non-Scotiabank ABM in Canada (Interac): $2.00; US PLUS: $3.00; outside Canada/US PLUS: $5.00 (Day-to-Day Banking Companion Booklet) |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
No balance waiver published on the chequing listing (fee listed as $3.95 or $0; seniors pricing $0 after Seniors Discount on the Basic account page). Included count: current Scotiabank newcomers/chequing pages publish 18 free transactions per month; the older Basic Banking Account page still in the search index publishes 12 transactions including up to 4 teller-assisted, with $1.25/each additional. Overdraft protection not available on this account per the Day-to-Day booklet excerpt. NSF not published on pages reached (null).
Source: https://gtb.scotiabank.com/content/scotiabank/ca/en/personal/bank-accounts/chequing-accounts/basic-banking-account.html | Captured 2026-11-15
Scotia High Interest Savings Account (HISA)
Type: hisa
| Monthly fee | $0/month |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Unlimited free self-service transfers between Scotiabank accounts |
| Excess transaction fee | $5.00 service charge applies for any in-branch transaction (published footnote on savings page) |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Regular Interest Rate up to 2.45% (assuming a Total Relationship Balance of at least $500,000); up to 5.00% for the first 3 months including a Welcome Promotional Interest Rate Offer of 2.55% for new holders who have not held a Scotia HISA or MomentumPLUS account in the last two years |
Type set to hisa per account name. e-Transfer, NSF, overdraft and ATM fees not published on the savings pages reached (null).
Source: https://www.scotiabank.com/ca/en/personal/bank-accounts/savings-accounts.html | Captured 2026-11-15
MomentumPLUS Savings Account
Type: hisa
| Monthly fee | $0/month |
|---|---|
| Fee waiver minimum balance | No minimum balance needed |
| Included transactions | Unlimited self-service transfers between Scotia accounts |
| Excess transaction fee | $5.00 service charge applies for any in-branch transaction (published footnote on savings page) |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Regular/premium interest rate tiers were not rendered as numbers in the text-search excerpts of Scotiabank's own savings page reached in this pass, so interest_rate is null rather than taken from third-party listings. Account has no ABM or point-of-sale access per Scotiabank footnote. e-Transfer, NSF, overdraft and ATM fees not published on pages reached (null).
Source: https://www.scotiabank.com/ca/en/personal/bank-accounts/savings-accounts.html | Captured 2026-11-15
Money Master Savings Account
Type: savings
| Monthly fee | $0/month |
|---|---|
| Fee waiver minimum balance | No minimum balance needed |
| Included transactions | Not in the published capture |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Interest rate as a number was not published in the excerpts of Scotiabank's own savings page reached in this pass (null). Transaction, e-Transfer, NSF, overdraft and ATM figures not published on pages reached (null).
Source: https://www.scotiabank.com/ca/en/personal/bank-accounts/savings-accounts.html | Captured 2026-11-15
Scotia U.S. Dollar Daily Interest Savings Account
Type: savings
| Monthly fee | U.S. $1.00/month |
|---|---|
| Fee waiver minimum balance | Waived with a $200 minimum daily closing balance |
| Included transactions | Not in the published capture |
| Excess transaction fee | $1.25 U.S. charge for each debit transaction (Day-to-Day Banking Companion Booklet, Part 8) |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Monthly fee and waiver are from Scotiabank's published Bank Account Related Fees schedule as reproduced in search excerpts. Interest rate, e-Transfer, NSF, overdraft and ATM figures not published on pages reached (null).
Source: https://gtb.scotiabank.com/content/dam/scotiabank/canada/en/documents/chequing-&-savings/day-to-day_banking_companion_booklet.pdf | Captured 2026-11-15
Scotia Euro Savings Account
Type: savings
| Monthly fee | €1.00/month |
|---|---|
| Fee waiver minimum balance | Waived with a €200 minimum daily closing balance |
| Included transactions | Not in the published capture |
| Excess transaction fee | €1.25 charge for each debit transaction (Day-to-Day Banking Companion Booklet, Part 8) |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Monthly fee and waiver are from Scotiabank's published Bank Account Related Fees schedule as reproduced in search excerpts. Interest rate and other charges not published on pages reached (null).
Source: https://gtb.scotiabank.com/content/dam/scotiabank/canada/en/documents/chequing-&-savings/day-to-day_banking_companion_booklet.pdf | Captured 2026-11-15
Savings Accelerator Account
Type: savings
| Monthly fee | Not in the published capture |
|---|---|
| Fee waiver minimum balance | Not in the published capture |
| Included transactions | Not in the published capture |
| Excess transaction fee | Not in the published capture |
| Interac e-Transfer fee | Not in the published capture |
| NSF fee | Not in the published capture |
| Overdraft | Not in the published capture |
| ATM fees | Not in the published capture |
| Published welcome bonus | Not in the published capture |
| Interest rate as published | Not in the published capture |
Account name appears on Scotiabank's savings accounts page, but no fee, transaction or rate figures for it were rendered in the text excerpts reached in this pass; all figures null. It is primarily offered for registered plans.
Source: https://www.scotiabank.com/ca/en/personal/bank-accounts/savings-accounts.html | Captured 2026-11-15