Compare Accounts and Fees

Choose an account that's right for your needs.

We're here to make your banking simpler. Whether you want to transact or save – we have an account that's right for you.

Finding the right account starts with understanding what you will be using it for. The Account Selector Tool will help identify the best account to meet your needs – all you need to do is answer a few quick questions about how you want to bank.

Want to see everything we have to offer and choose for yourself? The account comparison chart is here to help you identify the features and benefits each of our accounts offer and find the one that is right for you.

Account Monthly Fee Customer Initiated Transactions Included Unlimited Self Service Banking (ATM, P.O.S, Scotia Caribbean App, Scotia OnLine, Banking) Unlimited Self-Service Transfers Between Accounts Additional Transaction Fees Scotiabank Savings Reward Plan Eligibility (Bonus Interests on ASP Contributions Pays Interest Overdraft Protection (Subject to approval)
Payroll Access Account FREE* Unlimited Self-Service Banking FREE FREE $5.00 -- NO NO
*Your full salary must be electronically assigned
Total Access Account $35.00 3 in Branch or Cheque FREE FREE Branch/ Cheque: $1.50 with ScotiaCard or $3.00 without ScotiaCard NO NO YES
Total Access Senior FREE 10 in Branch or Cheque FREE FREE -- NO NO YES
Electronic Access Account $16.00 Unlimited Self-Service Banking FREE FREE Branch/ Cheque: $2.50 with ScotiaCard or $5.00 without ScotiaCard NO NO YES
Electronic Access Youth $6.00 Unlimited Self-Service Banking FREE FREE NO NO YES
Primary Savings Account $10.00 if balance falls below $300.00 - - FREE
  • Branch/ Cheque: $2.50 with ScotiaCard or $5.00 without ScotiaCard
  • ATM: Free
  • POS:$1.50
YES YES NO
Primary Savings Junior FREE - - FREE YES NO NO
Primary Savings Foreign Currency $2.50 if balance falls below $300 (In currency of account) - - FREE Branch/ Cheque: $1.50 with ScotiaCard or $3.00 without ScotiaCard NO NO NO