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We’re making changes to select Scotiabank accounts and banking services, including updated fees. Learn more.
Basic Bank Account
A basic bank account that covers your minimal financial needs
Is this Chequing Account right for you?
Right for you if you:
- Can benefit from up to 18 debit transactions per month included in this account
- Use for everyday banking such as purchases, ABM transactions and payroll deposits
May not be right for you if you:
- Are interested in only opening a savings account that earns interest
Account features
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18 free transactions1 per month
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Free Interac e-Transfer† transactions
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Eligible for overdraft protection2
Account fees
$03 or $3.95/mth
Monthly Fee Waiver4 for the following groups:
- Indigenous Peoples
- RDSP Beneficiaries
- Recipients of the Disability Tax Credit
- Canadians receiving social assistance payments
- Seniors
Fuel up and save at Shell
Available now in Alberta, and rolling out nationally on May 26, 2026, eligible Scotiabank clients can earn and save on fuel purchases at Shell.
What you can access with every account
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Mobile and online banking
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Mobile cheque deposit
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Free credit score††
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Shop with convenient VISA Debit and Interac Flash payment options
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Apple Pay, Google Pay and Samsung Pay
Banking for Seniors
Seniors aged 60+ will receive an automatic monthly account fee discount of $4.00.
Want to see more?
Preferred Package
Our most popular features packaged for your everyday banking needs.
Tools and calculators
Managing your money just got smarter
Scotia Smart Money by Advice+. A set of money management features in the Scotiabank mobile app that gives you personalized insights, advice, and more control over your money.
Learn where you are spending and saving
A great way to plan for your financial future is to understand where you are now. Use our calculator for a better picture of your finances and to help you budget for your goals.
Pay yourself first
With Pre-Authorized Contributions see how easy it is to reach your savings goals through regular and automatic savings.
Let's get started!
Apply online or in person
Online
100% safe and secure.
In person
Talk to a Scotiabank advisor.
Additional information
®
Registered trademarks of The Bank of Nova Scotia, used under license.
™
Trademark of Scene IP LP, used under license.
†
Interac e-Transfer is a registered trade-mark of Interac Corp. Used under license.
††
CreditView is a service provided by TransUnion. The Bank of Nova Scotia and its affiliates are not responsible for the service.
±
Terms and Conditions found in Scotiabank International Money Transfer Agreement apply
1
Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included in the chequing account package. 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.
2
Subject to approval. A customer must apply for an Overdraft Protection Plan to determine if they qualify.
3
Monthly account fee waiver for Indigenous Peoples, RDSP beneficiaries, Recipients of the Disability Tax Credit, Canadians receiving social assistance payments, Seniors. Offered as part of the Commitment on Low-Cost and No-Cost Accounts from the Financial Consumer Agency of Canada (FCAC). Proof of eligibility may be requested. For details, please refer to Part 5 of the Scotiabank Day-to-Day Banking Companion Booklet found here or available in branch.
4
Proof of eligibility may be requested. For details, please refer to Part 5 of the Scotiabank Day-to-Day Banking Companion Booklet found here or available in branch.