Schedule of Fees

• Monthly Fee - No charge
• Currency - BBD
• Transactions included - Unlimited self-service transactions on Scotiabank channels

Transaction Fees

• Branch/ Cheque Transactions - $5.00
• Scotiabank ATM - Free
• Scotiabank POS - Free
  

• Monthly Fee - $16.00
• Currency - BBD
• Minimum Opening Balance - $0.00
• Transactions Included - Unlimited self-service transactions on Scotiabank channels
  

Transaction Fees

• Branch/ Cheque Transactions - $2.50 with ScotiaCard, $5.00 without ScotiaCard
  
• Scotiabank ATM - Free
• Scotiabank POS - Free
• Cheque writing privilege - Yes
• Pays Interest - No interest paid
• Statement Frequency - Quarterly
• Overdraft Available - Yes, subject to normal lending criteria

• Monthly Fee - $35.00
• Currency - BBD
• Minimum Opening Balance - $0.00
• Transactions Included - 3 branch/ cheque transactions, unlimited self-service transfers between Scotiabank accounts & unlimited Scotiabank electronic transactions
  

Transaction Fees

• Branch/ Cheque Transactions - $1.50 with ScotiaCard, $3.00 without ScotiaCard
• Scotiabank ATM - Free
• Scotiabank POS - Free
• Cheque writing privilege - Yes
• Pays Interest - No interest paid
• Statement frequency - Quarterly
• Overdraft Available - Yes, subject to normal lending criteria
  

• Monthly Fee - $10.00 
• Currency - BBD
• Minimum balance required to waive monthly fee - $300.00
• Transactions Included - Unlimited self-service transfers between Scotiabank accounts

Transaction Fees

• Branch Transactions - $2.50 with ScotiaCard, $5.00 without ScotiaCard
  
• Scotiabank ATM, Telephone, Mobile and Internet Banking - Free
• Scotiabank POS - Free
• Cheque writing privilege - No
• Pays Interest - Calculated on minimum monthly balance, paid monthly
• Statement Frequency - Quarterly
• Overdraft available - No
• Automatic Savings Plan (ASP)/ SSRP Eligible - 1% bonus interest on ASP contributions

• Monthly Fee - $2.50
• Currency - BBD
• Minimum balance required to waive monthly fee - $10,000.00
• Transactions Included - 1 free transaction on any channel, unlimited deposits & unlimited self-service transfers between Scotiabank accounts
  

Transaction Fees

• Branch - $5.00
• Scotiabank ATM - Free
• Scotiabank POS - Free

• Monthly Fee - $2.50 
• Currency - CAD & USD
• Minimum balance required to waive monthly fee - $300.00
• Transactions Included - Unlimited deposits and self-service transfers between Scotiabank Accounts

Transaction Fees

• Branch transactions - $1.50 with ScotiaCard, $3.00 without ScotiaCard 
• Scotiabank ATM - N/A
• Scotiabank POS - Free
• Statement Frequency - Quarterly
  

• Minimum Monthly Fee - No fee
• Currency - BBD
• Minimum Opening Balance - $0.00
• Transactions Included - Unlimited deposits and self-service transfers between Scotiabank Accounts
  

Transaction Fees

• Branch Transactions - $2.50 with ScotiaCard, $5.00 without ScotiaCard
• Scotiabank ATM Telephone, Mobile & Internet Banking - Free
• Scotiabank POS - Free
• Cheque writing privilege - No
• Pays Interest - Calculated on the minimum monthly balance, paid monthly
• Statement Frequency - Quarterly
• Overdraft Available - No
  
  

• Monthly Fee - No fee
• Currency - BBD
• Minimum Opening Balance - $0.00
  

Transaction Fees

• Scotiabank ATM - Free
• Scotiabank POS - Free
• Cheque writing privilege - Yes
• Statement Frequency - Quarterly, Online Statements
• Overdraft Available - Yes, subject to normal lending criteria
• Other - 25% off Safety Deposit Box fee, Standing Orders and Drafts

• Monthly Fee - $6.00
• Currency - BBD
• Transactions Included - Unlimited self-service transactions on Scotiabank channels
  

Transaction Fees

• Branch Transactions (includes deposits) - $2.50 with ScotiaCard, $5.00 without ScotiaCard
• Scotiabank ATM - Free
• Scotiabank POS - Free
• Cheque writing privilege - Yes
• Pays Interest - No
• Statement Frequency - Quarterly
• Overdraft available - Yes, subject to normal lending criteria
  

• 1 1/2 X 5 x 24 - $100.00 + VAT
• 2 1/2 x 5 x 24 - $125.00 + VAT
• 5 x 5 x 24 - $200.00 + VAT
• 2 1/2 x 10 x 24 - $250.00 + VAT
• 5 x 10 x 24 - $300.00 + VAT
• Listing of contents for Estate purposes - $35.00/hour per employee, min $50.00
• Drilling of Safety Deposit Box - $250.00 + expenses
• Replacing Lock - $20.00
• Rental Rebates - 1/12 of annual rental for each unexpired full month; net charge first year must not be less than 1/12 annual rental
• Lost/Broken Keys - $30.00 + Costs

• Audit Certificates - $50.00-$200.00
• Utility Bill - $10.00
• Real-Time Gross Settlement (RTGS) Incoming - $10.00
• Photocopies (per item) - $5.00
• Service Charge on Account Closed within 3 months - $25.00
• Service Charge on Account Closed within 6 months - $20.00
• Duplicate Statements/Drafts - $15.00 - occasional, $10.00 - standing
• Stop Payment Order - $20.00
• Search for vouchers, records or accounts - $15.00/item or $35.00/hour, min $15.00
  

• Telephone, Mobile and Internet Banking - Free
• ATM - Refer to Deposit accounts for charges
• POS - Free
  

• Annual Fee - $200.00 for Primary Borrower, Free for Co-borrower
• Replace damaged card - $25.00
• Replace lost card - $35.00
• Replacement Statement Fee - $25.00
  

• Annual Fee - $200.00 for Primary Borrower; $75.00 for Co-borrower
• Replace damaged card - N/A
• Replace lost card - N/A
  

Transaction Fees

• Application Fees - $60.00
• Over Limit Fees - $60.00
• Late Payment Fee - $60.00
• Return Cheque Charge - $50.00
• Dishonored Cheque Charge - $50.00 
• Not sufficient funds (NSF) Fee - $50.00
• Additional or replacement statement - $25.00
• Retrieval of Items Fee - $15.00
• ATM Cash Advance Fee - $0.00
  

• Annual (Membership) Fee - $35.00
• Additional Card - No charge
• Cash Advance Fee - 2.99%, min $10.00
• Replacement Card Fee - $20.00

• Annual (Membership) Fee - $115.00
• Additional Card - Free
• Cash Advance Fee - 2.99%, min $10.00
• Replacement Card Fee - $25.00
  

• Annual (Membership) Fee - $115.00
• Additional Card - Free
• Cash Advance Fee - 2.99%, min $10.00 
• Replacement Card Fee - $20.00 
  

• Annual (Membership) Fee - $199.00
• Additional Card - Free
• Cash Advance Fee - 3.00%, min $10.00
• Replacement Card Fee - $20.00
  

• Overlimit Charge - $49.00 
• Late Payment Charge - $49.00
• Returned/Dishonoured Cheques - $30.00
• NSF Cheque Charge - $30.00
• Minimum Payment - 3.00%, min $50.00
• Replacement Sales Draft - $15.00
• Retrieval of items - $15.00
• Replacement Statement - $25.00
• Stamp Duty per cheque - $0.10
• Convenience Cheque Charge - N/A

• Application Fee - Free
• Commitment Fees - 1.00%
• Late Payment Fee - $30.00 after 5 days of past due
• Renewal Fee - $60.00 
• Loan Refinancing/Renegotiating Fee - 0.50% of amount requested
• Prepayment Fee - 180 days interest on any prepayment made in excess of the amount entitled to for any one calendar year as per PCA (Personal Credit Agreement)
  

• Application Fee - 0.50% of approved loan amount or min $100.00
• Late Payment Fee - $30.00 after 5 days of past due
• Extension Fee - 1 6/10% of unpaid balance (11% add-on)

One time Pre-Approved/Pre-Qualified Processing Fee - in lieu of Application Fee

>=US$5,000: 1.5% of the loan amount up to a maximum of US$200.00  

<US$5,000: 2.5% of the loan amount up to a maximum of US$100.00

• Monthly Fee - $10.00
• Deposit Content Fees - Over the counter (per '000): $10.00, Night (per '000): $5.00
  
  

• Monthly Fee - $5.00
• Deposit Content Fees - Over the counter (per '000): $1.00, Night (per '000): $0.50
  
  

• Branch - Debit $1.50
• Branch - Credit $1.00
• Branch - Transfer $1.00
• ATM - Debit - Free
• ATM - Credit - Free
• ATM - Transfer - Free

• Monthly Fee - $10.00
• Deposit Content Fees - Over the counter (per '000): $20.00, Night (per '000): $10.00
• Branch - Debit $3.00
• Branch - Credit $2.00
• Branch - Transfer $1.00
• ABM - Debit - Free
• ABM - Credit - Free
• ABM - Transfer - Free

• Application Fee (normal) - 1/4% to 1% of the net amount of increase, min $100.00
• Application Fee (urgent review) - 3/4% to 3% of the net amount of increase, min $100.00
• Standby Fees - 1/2% to 2% per annum based on daily undrawn balance charged monthly
• Commitment/Acceptance Fee - 1/2% to 2% of the net amount, min $100.00
• Administration Fee -Monitoring/ Breach of Conditions $100.00-$1,000.00 per occasion
• Overun Fees - per item fee $5.00 plus application fee - % of amount of increase
  

• Annual Membership Fee - Primary Card $100.00, Supplementary Card $75.00 each
• Cash Advance Fee - 2.99%
• Minimum Payment - 3.00%, min $50.00
• Dishonored Cheque Charge - $35.00
• Not Sufficient Funds (NSF)/Returned Cheque Charge - $35.00
• Late Payment Fee - $50.00
• Over Limit Fee - $50.00
• Replacement Card Fee - $25.00
• Replacement/Additional Statement - $0.00
• Retrieval of Items - $35.00
• Replacement Sales Draft - $35.00

• Annual Membership Fee - Primary Card $120.00, Supplementary Card $85.00 each
• Cash Advance Fee - 2.99%
• Minimum Payment - 3.00%, min $50.00
• Dishonored Cheque Charge - $35.00
  
• (NSF)/Returned Cheque Charge - $35.00
• Late Payment Fee - $60.00
• Over Limit Fee - $60.00
• Replacement Card Fee - $25.00
• Replacement/Additional Statement - $0.00
• Retrieval of Items - $35.00
• Replacement Sales Draft - $35.00

• Monthly Fee - $10.00
• Deposit Content Fees - Over the counter (per '000): $10.00, Night (per '000): $5.00
  

• Branch - Debit $1.50
• Branch - Credit $1.00
• Branch - Transfer $1.00
• ATM - Debit $1.00
• ATM - Credit $0.75
• ATM - Transfer $0.75
  

• Monthly Fee - Free
• Minimum Balance - $5,000.00
• Deposit Content Fees - Over the counter (per '000): $20.00, Night (per '000): $10.00
• Branch - Debit $3.00
• Branch - Credit $2.00
• Branch - Transfer $1.00
• ATM - Debit $3.00
• ATM - Credit $2.00
• ATM - Transfer $2.00
  

• Application Fee (normal) - 1/4% to 1% of the net amount of increase, min $100.00
• Application Fee (urgent review) - 3/4% to 3% of the net amount of increase, min $100.00
• Standby Fees - 1/2% to 2% per annum based on daily undrawn balance charged monthly
• Commitment/Acceptance Fee - 1/2% to 2% of the net amount, min $100.00
• Administration Fee - Monitoring/ Breach of Conditions $100.00-$1,000.00 per occasion
• Overun Fees - per item fee $5.00 plus application fee - % of amount of increase
  

• Sign Up Fee - $200.00
• Replacement Keys - $50.00 + cost
  
• Replacement Locks - $200.00  + cost
  

• Credit Report - $20.00 + VAT
  
• Past due discounts - $15.00 per payment + interest
  
• Audit Certificates - $50.00-$200.00
  
• Utility Bill - $10.00
  
• Real-Time Gross Settlement (RTGS): Incoming - $10.00, Outgoing - $10.00
• Photocopies (per item) - $5.00
• Stop Payment Orders - $20.00
  
• Service Charge on Account closed within 3 months - $25.00
  
• Service Charge of Account closed within 6 months - $20.00
  
• Duplicate Statement/Statement Request - $15.00 (occassional)
• Duplicate Statements/Statement Request - $10.00 (standing)
• Search for vouchers, records or accounts - $15.00 per item or $35.00/hour, min $15.00
• NSF Cheques/Cheques Returned - $50.00 

• NSF Cheques/Cheques Returned - $50.00
• Stop Payment Orders - $20.00 
  

• Mail Transfers Inland Local - $10.00
  
• Mail Transfers Overseas - $10.00 flat fee
  
• Managers Cheques/Local Draft - $12.00
  
• Foreign Drafts - $20.00
  
• Conversion of FX to FX draft - 2%, min $5.00
  
• Draft Tracer - $20.00 per item
  
• Incoming Wire Transfers - $10.00
  
• Repair Item - $20.00
  

• Scotiabank banked employer each payroll run - $50.00
  

• Into Scotiabank Account - $1.50
  
• Payment by other means - $15.00
  
• Non-Scotiabank employer with Scotiabank banked employees each payroll run - $70.00
  
• Transaction fee per customer - $1.50
  

Fee/Commission - effective December 1, 2019

• Each Deposit Account Product 0.00% with Balances <=4,999,999.99* - 0.00%
• Each Deposit Account Product 0.50% with Balances = 5,000,000.00 – 9,999,999.99* - 0.50%
• Each Deposit Account Product 1.00% with Balances = 10,000,000.00 – 19,999,999.99* - 1.00%
• Each Deposit Account Product with Balances > = 20,000,000.00* - 2.25%

*Does not include Term Deposits

Frequency: The fee is calculated on the entire average monthly balance and on a 365-day basis. It is charged monthly on the last business day of the month.