Employees of Scotiabank are also not eligible for the Offers. The Eligible Account must be open and in good standing until the time of payout of the cash bonus. The Eligible Account is not in "good standing" if: i it has a negative balance exceeding the authorized overdraft limit, or ii it has been in continuous overdraft for a period of three consecutive months. These Offers are non-transferable and may not be duplicated.
Limit of one 1 Offer per customer, regardless of the number of Eligible Accounts opened. If more than one 1 Eligible Account is opened, only the first Eligible Account opened will be eligible for the Offer. All rates, fees, features and benefits are subject to change. Offers may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers. Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included in the chequing account package.
Fees may initially be charged for Interac e-Transfer transactions in excess of 99 in a month but will be reversed in the subsequent month. For accounts that do not provide unlimited debit transactions, a charge for additional debit transactions may apply if you perform an Interac e-Transfer transaction over and above the number of debit transactions allowed in the account.
Ultimate Package Account holders who add Overdraft Protection to their account will have the Overdraft Protection fee s automatically waived. The account must have a positive balance at least once every 30 days. Subject to approval. Eligible Cards are subject to change. Each Account will only receive one Annual Fee Waiver regardless of the number of accountholders on the Account or Eligible Cards opened.
All other fees and charges applicable to the Eligible Card continue to apply. Annual Fee Waiver will not be applied if your Account or Eligible Card is not open or is not in good standing and cannot be combined with any other annual fee waiver offer.
Current annual fees, rates and other features for Eligible Cards are subject to change. Account holders may still be charged a convenience fee by the other bank and ABM operator, not by Scotiabank. Refer to the Current Rates Page on Scotiabank. It will take up to 10 business days after activating an Ultimate Package account for the Ultimate Interest Rate Boost to apply.
The Ultimate Interest Rate Boost will cease to apply effective as of the date that the Ultimate Package account is closed. Interest is accrued daily on your GIC from the issue date up to, but not including, the maturity date. For Scotiabank GICs that pay interest during their term monthly, semi-annually or annually the last interest payment is paid at maturity.
In the second calendar year and thereafter, account holders qualify to be credited with the commissions associated with their first 5 online commissionable trades of Eligible Securities placed across all their Scotia iTRADE accounts during each year. To be eligible, the primary or joint account holder of the Ultimate Package account can be either the primary or joint account holder of the Scotia iTRADE account.
No cash redemption value. Free trades are limited to one per client. Have questions? Contact us or visit your nearest Scotiabank branch for more information about the Scotiabank Switch Kit or any other Scotiabank product or service.
For example, if you are still waiting for your employment ID card, setting up your Canadian bank account through a correspondent bank could be faster. Canada is home to many banking options. Knowing how you will use your account will help you chose the right one for you. Other factors to consider:. Whether this is a permanent relocation or a temporary stay for a few years, you will probably want your money to do more than just sit in an account.
Different types of banking accounts will help you with your financial goals. Here is a brief overview of the different chequing accounts and savings accounts you can access in Canada. Different accounts will come with its own unique fees.
Some accounts waive certain fees while other accounts are better suited for one type of consumer. It is important to know these fees upfront so that your bank account doesn't cost you more than you expect.
Some common banking account fees include the following:. Look for special banking offers for non-residents to avoid fees for the first year in the country. Scotiabank offers an account to newcomers that waives the chequing monthly account fee for one year as well as unlimited no-fee foreign money transfers. In order to open a bank account in Canada, you will be asked to provide proper identification.
Subject to daily limits and additional terms and conditions as set out in the Scotiabank International Money Transfer Agreement found at www. Legal Disclaimer: This article is provided for information purposes only. It is not to be relied upon as financial, tax or investment advice or guarantees about the future, nor should it be considered a recommendation to buy or sell.
Information contained in this article, including information relating to interest rates, market conditions, tax rules, and other investment factors are subject to change without notice and The Bank of Nova Scotia is not responsible to update this information.
All third party sources are believed to be accurate and reliable as of the date of publication and The Bank of Nova Scotia does not guarantee its accuracy or reliability. Figuring out how to open a bank account in Canada is quite straightforward, and if you have the proper documentation, you can do it today. Advice Connect with a home financing advisor Buying another property Existing homeowners Mortgage renewal First-time homebuyers Renovations Understanding mortgage prepayments and charges Conventional vs.
New to Canada How to open a chequing account online in Canada as a non-resident Figuring out how to open a chequing account in Canada as a non-resident isn't as complicated as you might think. If you apply for a Scotiabank account through this application, you will be consenting to receiving the terms and conditions and other documents, as applicable, in electronic format.
The documents will be available at the end of your application. Please print or electronically save a copy of each document for your records.
Following receipt and processing of this form, a Scotiabank account will be opened in your name.
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