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Bank on your terms with CIBC – whether it's in person, over the phone or online, CIBC has you covered. Plus, get a first-year annual fee rebate.†. National Bank Financial Inc. has hired a team of three investment bankers in mining and metals from Scotia Capital Inc. "I've never been confronted with that before in all my 20 years of online banking," Kaminsky said. Neither banks Simplii nor Tangerine — which.

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Canada has one of the safest banking systems in the world.

The Royal Bank of Canada, TD Bank, Bank of Nova Scotia (Scotiabank), Bank of Montreal, and the Canadian Imperial Bank of Commerceall rank within the top-35 most stable banks in the world.

I often get questions about what the best bank in Canada for newcomers, students, seniors, or online banking is?

The short answer is that your choice of a bank depends on your financial needs and preferences. And, in many cases, you can also be well served through a credit union.

This post covers Canada’s largest banks, a list of the best online banks, what they offer, and how to choose the best bank for you.

The Biggest Banks in Canada

The five largest banks in Canada all date back to the 19th century and have branches and ATMs across the country.

They offer a full suite of financial services including chequing account, savings, investments, brokerage services, mutual funds, insurance, business banking, mortgage loans, and more.

Here’s a list of the Big Five banks:

  • RBC
  • TD Bank
  • Scotiabank
  • BMO
  • CIBC

Other Schedule I banks in Canada with significant asset sizes and market capitalization include the National Bank of Canada, Laurentian Bank of Canada, Equitable Bank, and the Canadian Western Bank.

RBCScotiabankTDBMOCIBCNational Bank
Year Founded 1864183218551817 18671859 
Market Cap^ $137,285M  $66,847M$113,311M $51,932M $45,703M $23,747M
Stock Symbol RYBNS TD BMO CM NA 
Head OfficeTorontoTorontoTorontoMontrealTorontoMontreal
Institution Number 003002 004  001 010006 
SWIFT CodeROYCCAT2NOSCCATTTDOMCATTTORBOFMCAM2CIBCCATTBNDCCAMMXXX
Branches 1,210 9531,091 900 1,024 422
ATMs 4,2003,600  2,800 2,200 3,075 939

^ Market Capitalization as of September 17, 2020.

1. Scotiabank

Operating under the legal name of Bank of Nova Scotia, Scotiabank is the third largest bank in Canada based on asset size and market capitalization.

Its personal banking channel offers various chequing, savings, and credit card options.

Scotiabank Chequing Accounts

Scotiabank offers 5 chequing accounts that are designed to cater to different needs.

Its most basic chequing account offers 12 free transactions every month. On the other end of the spectrum, you can opt for Scotiabank’s Ultimate Package chequing account and enjoy premium perks including:

  • Unlimited transactions (debits and Interac e-transfers)
  • Up to $139 fee waivers on a credit card
  • Unlimited free Global withdrawals (non-scotiabank ATMs)
  • Extra 0.10% on a MomentumPLUS Saving Account
  • Free personalised cheques and drafts
  • Free stocks trading on Scotia ITRADE, and several more

All Scotia Chequing Accounts offer rewards points on everyday purchases in the form of SCENE or Scotia Rewards. You can redeem your points for free movies, food, travel, and gift cards.

Scotia’s Ultimate Package and Preferred Package accounts offer up to a $350 cash bonus when you open an account.

Ultimate PackagePreferred PackageBasic PlusBasic AccountStudent Banking
Monthly fee$30.95$16.95$10.95$3.95$0 (must be enrolled FT at a post-secondary institution
Minimum balance to waive the monthly fee$5,000$4,000$3,000N/AN/A
# of debit transactionsUnlimitedUnlimited25/month12/monthUnlimited
# of eTransfersUnlimitedUnlimited10/month2/monthUnlimited
Senior’s discount-$4.00-$4.00-$4.00-$3.95N/A
Special features$350 welcome bonus; Earn Scotia Rewards or SCENE points; Up to $139 waived on credit card fees annually; 0.10% interest rate boost on savings; Unlimited free non-Scotiabank ATM withdrawals globally; No monthly overdraft protection fee; Up to 10 free equity trades on Scotia iTrade; Free personalized cheques and drafts$300 welcome bonus; Earn Scotia Rewards or SCENE points; Up to $139 waived on credit card fees (1st year only); 0.05% interest rate boost on savings; 1 free non-Scotiabank ATM withdrawal/month; International money transfer at $1.99Earn Scotia Rewards or SCENE points; International money transfer at $1.99Earn Scotia Rewards or SCENE pointsEarn Scotia Rewards or SCENE points; $60 welcome bonus
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Scotiabank Savings Account

Scotiabank has 5 savings accounts you can choose from including the:

  • MomentumPLUS Savings Account
  • Savings Accelerator Account
  • Money Master Savings Account
  • Scotia U.S. Dollar Daily Interest Account
  • Scotia Euro Daily Interest Account

The MomentumPLUS Savings Account is Scotiabank’s high interest savings account and offers a base rate of 0.05%.

Depending on how long you keep the funds untouched and whether you pair it with a premium chequing account, you can earn up to 0.75% on your savings.

Get more details about Scotiabank’s savings accounts.

Scotiabank Credit Card

Scotiabank has a long list of Visa, Mastercard, and American Express credit cards, including some of the best credit cards in Canada.

One of their credit cards worth noting here is the Scotia Passport Visa Infinite.

This premium card waves the FX markup on foreign currency purchases, offers a complimentary Priority Pass membership (includes 6 free visits), and complimentary travel insurance.

Learn more about the card here.

2. Royal Bank of Canada

The Royal Bank of Canada (RBC) is the largest bank in Canada.

RBC sponsors many cultural and sporting events including The Canadian Open, one of the oldest golf tournaments in the world.

RBC Chequing Accounts

RBC offers 4 main chequing accounts:

  • RBC Day to Day Banking
  • RBC No Limit Banking
  • RBC Signature No Limit Banking
  • RBC VIP Banking

Its most basic chequing account offers 12 free transactions per month. Its Premium VIP option comes with unlimited debits, Interac e-transfer, free drafts, discounts on safe deposit box rentals, and up to a $120 fee rebate on select credit cards.

All RBC chequing accounts offer a saving of 3 cents per litre of gas purchased at Petro-Canada. You can also earn 20% more Petro-Points when you link your RBC debit card.

RBC Savings Accounts

RBC has 4 savings accounts you can choose from, including the:

  • RBC High Interest eSavings
  • RBC Enhanced Savings
  • RBC Day to Day Savings
  • RBC U.S. High Interest eSavings

Both the CAD and USD RBC high-interest savings account currently offer a 0.05% interest rate.

You can turn on the NOMI Find & Save feature to automate transfers and increase your savings rate.

RBC Credit Cards

RBC offers credit cards in various categories including cash back, travel, low-interest, and no-annual fees.

Here’s a review of the best RBC student credit cards.

If you are looking for a robo-advisor service from a big bank, check out this RBC Investease review.

3. Bank of Montreal

Bank of Montreal is the fourth largest bank in Canada and the oldest, having been founded in 1817.

BMO Chequing Accounts

BMO has 5 chequing accounts ranging from an entry-level “Practical” account to a “Premium” chequing account.

The five accounts are:

  • Premium chequing Account
  • Performance chequing account
  • Plus chequing account
  • AIR MILES chequing account
  • Practical chequing account

BMO Premium chequing offers unlimited transactions, free non-BMO ATM withdrawals, a $150 annual fee rebate on the BMO World Elite Mastercard, and free identity theft protection.

Similar to the other big banks, Newcomers to Canada can save on fees for a period when they open an account through BMO’s NewStart Program.

BMO Savings Accounts

For your savings needs, BMO offers 4 savings accounts including:

  • BMO Smart Saver
  • BMO Savings Builder
  • BMO Premium Rate Savings
  • BMO U.S. Dollar Premium Rate

The Savings Builder is their high-interest savings account and offers a 0.05% bank rate plus 0.45% bonus interest when you increase your balance by at least $200 each month.

BMO Credit Cards

BMO has a credit card fitting to most of the categories you can think of, including cash back rewards, AIR Miles, travel, low-interest and no-fee cards.

Here are the best BMO credit cards for 2021.

The BMO CashBack Mastercard is one of the top credit cards for students and newcomers to Canada.

BMO was the first Big Five bank to offer a digital investment service. You can learn more about BMO Smartfolio.

4. Toronto-Dominion Bank

TD is the second-largest bank in Canada by market capitalization.

TD Bank also has a significant presence in the United States, making it one of the largest banks in North America.

TD Chequing Accounts

TD has 6 chequing accounts, including two that are specific for students and youths. The accounts are:

  • TD All-Inclusive Banking Plan
  • TD Every Day Chequing Account
  • TD Unlimited Chequing Account
  • TD Minimum Chequing Account
  • TD Student Chequing Account
  • TD Youth Account

Its All-Inclusive Banking is the most expensive and offers unlimited transactions, free non-TD ATM withdrawal, certified cheques, money orders, personalized cheques, and up to a $120 fee rebate on eligible TD credit cards.

TD Savings Accounts

The bank has 3 savings account packages including:

  • TD ePremium Savings
  • TD Every Day Savings
  • TD High Interest Savings account

The interest rates on these accounts range from 0.01% to 0.10%. TD’s youth bank account also pays a 0.01% interest rate on your balance.

TD Credit Cards

TD has credit cards offering cash back, Aeroplan Miles, low rates, no-annual-fee, and TD travel rewards.

Some of the ones we have reviewed are:

5. Canadian Imperial Bank of Commerce

CIBC is one of the biggest banks in Canada. It also operates in the U.S., Europe, and Asia.

CIBC Chequing Accounts

CIBC offers three main chequing accounts: CIBC Smart, Smart Plus, and Everyday chequing accounts.

The Everyday Chequing is its entry-level account and offers 12 free transactions per month.

The CIBC Smart Account is flexible and costs $6.95 to $16.95 depending on how many transactions you make during the month.

Lastly, the CIBC Smart Plus Account offers unlimited transactions, free non-CIBC ATM withdrawals, fee rebates on select credit cards, and more.

Here are more details about CIBC’s Chequing Account.

CIBC Savings Accounts

CIBC has 4 savings accounts including:

  • CIBC Bonus Savings Account
  • CIBC eAdvantage Savings Account
  • CIBC Premium Growth Account
  • CIBC US$ Personal Account

The eAdvantage savings account has CIBC’s highest interest rate at 0.05%.

Related: Best U.S. Dollar Business Savings Accounts

CIBC Credit Cards

CIBC has 21 Visa credit cards you can choose from, including the popular CIBC Aventura Visa Infinite.

You can also check out the AC Conversion Visa prepaid if you are looking to save on currency exchange fees.

6. National Bank of Canada

National Bank is the sixth-largest bank in Canada (Big Six) and has its headquarters in Montreal.

National Bank Chequing Accounts

National Bank has 4 chequing accounts including:

  • The Minimalist
  • The Modest
  • The Connected, and
  • The Total account packages

The Total chequing account offers unlimited transactions, free cheques (100/year), overdraft protection, up to $150 fee rebate for a National Bank Mastercard credit card, and an integrated line of credit.

The entry-level Minimalist package offers only 12 free transactions per month.

National Bank Savings Account

It offers a high interest Savings account with 0.05% interest.

For registered accounts, it also has a Cash Advantage Solution account offering 0.05%. This account is available as a TFSA, RRSP, or RRIF plan.

Benefits of Banking With the Big Banks

The biggest banks in Canada have their pros and cons. Here are some of the advantages of banking with them:

Branch Coverage: With thousand of Branch locations, you enjoy easy access to in-person support in all areas of the country.

ATM Coverage: The big banks have thousands of free ATMs across Canada which means you can avoid paying fees that accrue when you use out-of-network ATMs owned by other banks.

One-Stop Banking: You can easily open accounts to suit your varying financial needs with one bank instead of spreading them around. For example, you can open your chequing, savings, mortgage, investment, personal loan, and insurance accounts with the same bank.

Technology and Innovation: Big banks have a hefty budget dedicated to improving users’ experience and interface designs, and they pioneer technology that gives them an edge against their competitors.

International Reach: If you travel abroad frequently, a big bank with operations internationally can save you money through free ATMs or branch locations at your destinations.

Stability: A bank that has been around for 150 years is unlikely to disappear overnight. In fact, some of the biggest banks are classified as Systemically Important Financial Institutions (SIFI) or “too big to fail”.

These banks face extra scrutiny from regulators, providing an extra layer of security for their customers.

Related: Best Banks for Seniors in Canada

Downsides of Banking With a Big Bank

In exchange for convenience and perceived stability, here are some of the cons of a big bank:

Higher Fees: Big banks charge you a fee for everything. If the fee is not obvious, check the small print.

Poor rates: From extremely low savings interest rates to high mortgage and personal loan rates, a big bank is hardly the place to find the most competitive rate possible. There’s also limited room to negotiate better rates.

Less Personalized Service: Unless you have a huge bank balance, you shouldn’t expect top-level customer service. Community-based and financial institutions such as credit unions are better in this regard.

Watch out for Shady Practices: It’s no secret that many big banks have been mired in controversies in recent times from misleading tactics in selling credit card insurance, to pushing expensive add-ons people don’t need. Your banking could get a lot more expensive than you planned for.

Related: Best Business Credit Cards in Canada

Top Online Banks in Canada

While the Big five banks typically get most of the attention, several digital banks continue to gain traction as more people become comfortable with online banking.

These branchless virtual banks are best known for providing free chequing accounts and some of the best savings rates available.

All of the four mentioned below are also wholly-owned by Schedule I banks:

  • EQ Bank
  • Tangerine Bank
  • Simplii Financial
  • Motive Financial

1. EQ Bank

EQ Bank is a subsidiary of Equitable Bank, a Schedule I bank with more than $36 billion in assets under management.

It offers high-interest savings and Guaranteed Investment Certificate Investments through its website and innovative mobile app.

EQ Bank Savings Account

The EQ Bank-Savings Plus Account offers one of the best non-promotional rates in Canada.

It also functions as a hybrid account (chequing + savings) with features including:

  • Unlimited free bill payments and electronic fund transfers
  • Unlimited Interac e-Transfers
  • No monthly banking fees
  • Free mobile cheque deposits
  • No minimum account balance
  • CDIC insurance up to $100,000 per insured category
  • Joint accounts

This account currently pays a 1.25%* interest on every dollar in your account which is one of the best savings interest rates in Canada right now. You can sign up for it here.

In addition to the hybrid Savings Plus Account, you can open an EQ Bank TFSA or RSP account and earn high interest rates up to 2.20%* using savings products or GICs.

EQ Bank GICs

It offers GICs with terms ranging from 3 months to 5 years. The minimum amount you can invest in an EQ Bank GIC is $100.

EQ Bank also offers joint accounts and you can send cheap international money transfers directly from your account using TransferWise.

2. Tangerine Bank

Tangerine Bank is the direct banking arm of Scotiabank. It was formerly known as ING Direct Canada. Apart from a few kiosks and cafes in Toronto, Montreal, Vancouver, and Calgary, Tangerine is a full-fledged online bank.

Tangerine Chequing Account

The Tangerine No-Fee Chequing account offers all the basic necessities including:

  • $0 monthly account fee
  • Unlimited free debits, Interac, e-Transfer transactions, and Tangerine email money transfers
  • Free access to 3,500 Scotiabank ATMs in Canada and 44,000 worldwide
  • Interest up to 0.10% on your balance
  • Mobile cheque deposits

Your first cheque book order (includes 50 cheques) is free.

Tangerine Savings Account

Tangerine’s Savings Account is available under 6 different plans: high-interest savings (general), RRSP, TFSA, US$ savings, RRIF, and a children’s account.

Tangerine Credit Cards

Two of the best cash back credit cards in Canada are offered by Tangerine.

Tangerine Money-Back Card: Earn up to 2% cash back on your purchases while paying $0 in annual fees. Cardholders get an unlimited 2% back up to 3 categories of spending and 0.50% on everything else.

Get more details about the card or apply here (10% cash back for a limited time).

Tangerine World Mastercard: This card has a similar cash back offer plus some premium perks including:

  • Rental car insurance
  • Mobile device insurance
  • Complimentary Mastercard Airport Experiences membership
  • Free Wi-Fi at 1 million+ hotspots around the world

Even better, the Tangerine World Mastercard has no annual fee. Read our review of the card.

3. Simplii Financial

Simplii Financial is the direct banking arm of CIBC.

It used to be known as President’s Choice Financial when it was under the banner of both Loblaws and CIBC, until 2017.

Simplii Chequing Account

Simplii Financial’s No-Fee Chequing Account has no monthly account fees and offers:

  • Unlimited debits and bill payments
  • Free access to more than 3,400 CIBC ATMs
  • Interest on your balance up to 0.10%

It also has a global money transfer service that gives you a $50 bonus when you send your first eligible international money transfer.

Simplii Savings Account

This savings account pays 0.10% interest and has no monthly fees.

In addition to saving and chequing accounts, Simplii Financial has investment funds and GICS you can put inside non-registered and registered accounts.

Simplii Credit Card

Simplii has one credit card – the Simplii Financial Cash Back Visa. This credit card is great for gas, groceries, and restaurant purchases.

It features include 4% cash back on restaurant and bars, 1.5% on gas, groceries and drugstore purchases, and 0.50% on all other purchases.

4. Motive Financial

Motive Financial is a division of the Canadian Western Bank, a Schedule I bank based in Edmonton. It offers chequing high interest savings and GICs.

Motive Financial Chequing Accounts

Motive has two chequing accounts. The Motive Cha-Ching Chequing Account offers:

  • No monthly account Fee
  • Unlimited free transactions and Interac e-Transfer
  • Interest on your balance (0.25%)
  • Access to thousands of ding-free ATMs

The Motive Chequing also offers unlimited free transactions, however, it does not appear to be available to new clients.

Motive Savings Accounts

Motive has two savings accounts: Motive Savings and Motive Savvy Savings. The Motive Savvy Savings account offers a 1.25% interest rate.

Its features include:

  • No minimum balance
  • 2 free transactions per month

For Motive Savings, you earn 0.75% on balances of up to $5million and 0.50% on amounts over this limit.

Motive customers can also access GICs for TFSA, RRSP, and other investment accounts.

Types of Banks in Canada

There are three broad categories for banks operating in Canada as per the Bank Act.

Schedule I: These are domestic banks that are not subsidiaries of a foreign bank. They are authorized to accept deposits and may be eligible for deposit insurance through CDIC.

Examples include RBC, TD, CIBC, BMO, Scotiabank, Tangerine, National Bank of Canada, Equitable Bank, etc.

Schedule II: These banks are subsidiaries of eligible foreign banks and are also authorized to accept deposits. Examples include HSBC Bank Canada, ICICI Bank Canada, Citibank Canada, and Bank of China (Canada).

Schedule III: This category includes branches of foreign banks that operate in Canada and are authorized under the Bank Act to carry on banking business in Canada. Examples include Bank of America, Capital One Bank, Deutsche Bank AG, Citibank N.A., and BNP Paribas.

Schedule III banks operate under some restrictions. For example, they are generally limited from accepting deposits of less than $150,000.

How To Choose The Best Bank For You

While we have covered some of the best bank options in Canada, the best bank for you boils down to your specific needs.

Here are some of the factors you should consider:

1. Fees:  How much are you willing to pay for your money to sit in a bank account? For convenience? Are you maximizing the features of the account?

If you do most of your banking online, a no-fee chequing account may be all you need. If you need to visit a branch every now and then or want premium perks, it may make sense to keep the minimum balance in order to waive the account fee at your bank.

2.ATM and Branch Network: Find out whether the account offers access to free ATMs at convenient locations. You don’t want to skimp on the monthly fees only to pay it back in transaction costs.

3.Safety: All the banks listed here are members of the Canada Deposit Insurance Corporation (CDIC). This means your deposit accounts are protected up to $100,000 per category.

4. Interest Rates: How much is the bank paying you to save money? Compared to a big bank savings account, you could potentially earn 10-30 x more in interest on your savings when you choose an online bank.

5.Perks: Depending on your needs, a package offering free cheques, drafts, safe deposit box rental, credit card fee rebates, loyalty rewards, etc., may influence your choice.

6. Promotion: Banks often advertise juicy offers in order to attract new customers. While these sign-up bonuses are short-term, they may be worth your time.

Here are the bank promotions available in Canada.

Compare the Best Banks in Canada

Best Banks FAQs

What is the best bank to use in Canada?

The best bank for you depends on your financial needs, including the number of transactions you typically conduct every month, your location, need for in-person assistance, and whether you have a need for premium perks.

What is the number one bank in Canada right now?

The biggest bank in Canada right now is the Royal Bank of Canada. It surpasses the others by asset size and market capitalization. The second biggest bank based on these same metrics is Toronto-Dominion Bank (TD Bank).

Which banks take the top five spots?

The top five biggest banks in Canada are RBC, TD, Scotiabank, BMO, and CIBC.

Which banks have no monthly fees?

If you are looking for a no-fee bank, your best bet is to choose an online bank. Online banks have their pros and cons. You pay minimal fees for day-to-day banking transactions, however, most transactions can only be conducted online as they lack branches.

What’s your experience with banks in Canada? Let us know in the comments.

Источник: https://www.savvynewcanadians.com/best-banks-canada/

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First National Bank of Scotia Review

SmartAsset's Overall Rating

4.0/5

Rates

3.0

Fees

4.5

Service Quality

3.6

Financial Health

4.9

Key Highlights

  • Low Fees
  • Mobile App
  • Multiple Banking Products

Overview

Founded in 1923, First National Bank of Scotia has $463 million in assets and $422 million in deposits, ranking the institution as a medium-size bank. First National Bank of Scotia, whose headquarters are in Scotia, New York, lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. On the whole, First National Bank of Scotia is a good bank that deserves your consideration, with a rating of 4.0 stars out of 5 from our team. First National Bank of Scotia offers a diverse array of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. The bank's standard checking product features a $1.00 monthly fee, which is acceptable compared to the average U.S. bank. Using a bank with free checking, in addition to a high interest rate savings account is the best option for getting the highest income from your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

The is a weighted average of rates, fees, service quality and financial health.Read more

When a component rating is unavailable, the overall rating is calculated as an average of the remaining available ratings.

Rates
The Rates rating represents an aggregate of interest rates for specific bank products measured against the national average interest rate for each product. Product interest rates may vary by branch. Rates shown reflect the highest available nationwide.
Fees
The Fees rating is an assessment of the bank's fees measured against the national average fee amount for particular services and is also affected by whether or not the bank refunds ATM fees.
Service Quality
The Customer Experience rating is a weighted average of the Mobile Rating and the Consumer Satisfaction Score, which is based on complaints brought to the Consumer Financial Protection Bureau (CFPB).
Financial Health
The Financial Health rating is based on the Texas Ratio, an indicator that warns of credit problems at particular banks: anything less than 5% is considered Excellent; less than 20% is Very Good; less than 50% is Good; less than 90% is Fair; and over 90% is Poor.

Rates

With a savings rate of 0.10%, First National Bank of Scotia ranks poorly in comparison to the average U.S. bank. Its one-year and five-year term lengths CDs earn at a rate of 0.60% and 1.45%, respectively, while its highest-yielding money market account earns at an APY of 0.15%. Given First National Bank of Scotia's below average savings rate, you should think about opting for higher earning savings accounts with other banks.

How First National Bank of Scotia's Savings Rates Compare

First National Bank of ScotiaSavings0.10National Average0.09Compare Offers

Back to Overview

Fees

First National Bank of Scotia charges customers low fees compared to other U.S. banks. At $1.00/month, First National Bank of Scotia's checking account is perfect for those who want an easy checking account. First National Bank of Scotia unfortunately does not refund out-of-network ATM fees, meaning you will need to search for a First National Bank of Scotia ATM or accept the withdrawal fee.

Monthly Fee$1.00National Average: $3.21

Non-network ATM FeeN/ANational Average: $1.20

Overdraft FeeN/ANational Average: $35.00

Back to Overview

Service Quality

First National Bank of Scotia is a brick-and-mortar bank, with 10 total bank locations in New York. With mobile and web apps, First National Bank of Scotia makes account access straightforward, even on the go. First National Bank of Scotia's online and mobile banking platforms get mediocre scores from users. The First National Bank of Scotia mobile app has been given a 3.3 out of 5 (with 18 reviews on iOS and Android) compared to the national average of 3.8. First National Bank of Scotia's mobile app allows you to control your finances by monitoring current statements, sending and receiving funds as well as reaching customer service. First National Bank of Scotia receives an exceptional consumer satisfaction rating based on comparatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating3.3/5

Consumer Satisfaction Rating5.0/5

Online Banking PortalNo

Live ChatNo

Back to Overview

Financial Health

First National Bank of Scotia ranks as a medium-size bank with $463 million in assets and deposits totaling $422 million. Its Texas Ratio is 3.14%, denoting that First National Bank of Scotia is in terrific financial shape and unlikely to fail. Additionally, First National Bank of Scotia is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

3.14%

High Risk75%50%20%10%Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

Back to Overview

Compare First National Bank of Scotia to Other Competitive Offers

Products Offered

ProductCurrent Terms and RatesMinimum Balance for APY
Savings Account 0.1% APY $50
Checking Account 0.05% APY $500
Certificates of Deposit
  • 12 Month: 0.60% APY
  • 24 Month: 1.00% APY
  • 36 Month: 1.23% APY
  • 48 Month: 1.30% APY
  • 60 Month: 1.45% APY
$500 for all terms
Money Market Accounts 0.15% APY 0.15% APY $10000 $15000

First National Bank of Scotia has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. First National Bank of Scotia does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. First National Bank of Scotia's CD rates are fair as compared against the national average.

Back to Overview

Find a First National Bank of Scotia Near Me

First National Bank of Scotia has 10 physical branches across the U.S.

Back to Overview

Save more with these rates that beat the National Average

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Источник: https://smartasset.com/checking-account/first-national-bank-of-scotia-banking-review-11501

How To Close A Bank Account

As your banking needs change, you may find yourself in a situation where you need to close a bank account. It could be that you’re moving and need to find a new bank, or you simply want to switch banks to take advantage of better interest rates. Whatever the reason for making a banking change, you’ll likely want to close your old bank account.

Closing a bank account is not complicated, but there are specific actions everyone should take so the account is closed correctly and all of your money is accounted for prior to closure. Follow these steps when closing a bank account.

Steps to Close a Bank Account

Closing a bank account involves much more than simply contacting your bank. There’s some advance work you’ll want to do to ensure a successful transition. The specific guidelines for closing an account will vary depending on the bank or credit union, but you’ll typically want to follow the steps outlined below. Be sure to check with your banking institution for any special requirements that may apply.

Open a New Account

The first thing you need to do is open a new bank account. Having an account in place ensures you have a place to transfer over direct deposits and any payments or debits.

Many factors go into choosing a new bank, including savings rates, fees and account offerings. Whether you decide to go with a traditional brick-and-mortar bank or an online bank, make sure you’ve established your new account before moving forward.

Switch Your Existing Scheduled Payments and Deposits

If you have any direct deposits or automatic payments set up, this is the time to move them over to the new account. Check with your employer regarding any forms you need to fill out if you have direct deposit so they can reroute your paycheck to the new account.

Do yourself a huge favor and make an exhaustive list of all your monthly recurring payments. This could include things like:

  • Car payments
  • Mortgage payments
  • Insurance payments
  • Student or personal loans
  • Credit card payments
  • Gym memberships
  • Streaming services
  • Utilities and other household bills

Not only does having a list help ensure you’ve canceled all of the payments attached to your old account, you’ll be prepared when you need to set them up for your new bank account.

Transfer Your Money

Before you move money out of your account, let any outstanding transactions clear first. This could take up to a month to do. Failure to do so may result in having to pay overdraft fees. If you still have money in the account after everything clears, go ahead and either withdraw the money or transfer it to the new account.

If your bank account has a minimum balance requirement, only transfer money out of the account when you’re ready to close it, so you’re not charged monthly maintenance charges.

Contact Your Bank

Now it’s time to go ahead and cancel your bank account. Many banks allow you to do this online, but it also could require a phone call to customer service or a visit to your local bank branch. Some banks may require you to fill out an account closure request form or submit a written request. Follow your bank’s guidance on the proper contact method to start the closure process.

The bank will check your account to ensure it is in good standing and that you’ve resolved any outstanding issues before it marks the account as closed. If there are any remaining funds in the account, you should be able to request a transfer to your new account or receive a check by mail.

Get Written Confirmation

You shouldn’t assume that the account is closed just because a bank employee says it is. The Consumer Financial Protection Bureau recommends that you get written confirmation when you close a bank account. This protects you in case the bank didn’t follow through on your request, or there’s an issue down the road.

How to Close Certain Types of Bank Accounts

Not all account closures are handled the same. Other scenarios may pop up that require extra steps to close a bank account. Here’s a look at a few examples that might require extra attention.

Joint Account

Your bank may require an account closure request with both account holders’ signatures if you’re closing a joint account. Many banks, however, only require one account holder’s authorization to close an account. Canceling a joint account online could require both parties to log in to the account individually to request account closure.

A Child’s Account

Your bank account might be leftover from when your parents opened up a custodial account for you. Adulthood brings different banking needs, which may mean moving on from your old account. Some bank accounts, like the Kids Savings Account from Capital One 360 Bank, are automatically converted into a regular savings account when a child turns 18. If you’re of your state’s legal age to take full control of your custodial account, closing the account is handled the same as any other bank account.

Inactive Account

If your account has been marked “Inactive,” you’ll need to reactivate it before it can be closed by the bank. Contact your bank’s customer service to reactivate your bank account. There might also be an option to do this through your online or mobile banking.

Overdrawn Account

Having an overdrawn account could prevent you from closing an account. You’ll need to get your account back to at least a zero balance before the bank will process your closure request.

Deceased Person’s Account

Closing the bank account of a loved one that has passed away can be more complicated than closing other accounts. How the account is handled depends mainly on how the deceased structured their finances, including whether they listed a beneficiary or had a will in place. Requirements and documentation may depend on state law. Your best bet is to seek legal counsel before proceeding.

Reasons for Closing a Bank Account

You don’t need a reason to close a bank account, however there are numerous reasons you might want to. Here are some of the more common reasons to move on from your current account:

  • Moving to a new city or state
  • To get better interest rates
  • Switching to an online bank
  • To qualify for a bank-offered bonus
  • To escape poor customer service
  • To avoid expensive fees
  • To gain better features and services
  • Opening a joint account
  • Consolidating your banking
  • Switching from a child account to an adult account

Whatever your reason (or reasons) for closing your bank account, consider the decision carefully to be sure you’re making the right moves for your financial situation.

Tips When Closing a Bank Account

If you’re planning on closing a bank account soon, here are a few extra tips that will benefit you in the long run:

  • Open a new account first. Opening a new account ahead of time gives you a chance to transfer funds out of the old account. It also gives you a place to make payments from and to receive direct deposits during the transition.
  • Document everything. Closing an old bank account should be a smooth process. But the one time you don’t write everything down is the time when you’ll run into trouble. Keep records of the steps you took and any communication with bank staff, including names, dates and times. Save any emails or other written communication from your bank.
  • Destroy the remnants of your old account. Destroy any checkbooks or debit cards tied to your old account. This keeps them from getting lost, stolen or used accidentally.

Closing a Bank Account FAQs

Can you close a bank account online?

Yes, many banks allow you to close a bank account online, provided your account is in good standing and has a zero balance.

Is there a fee for closing a bank account?

Most banks do not charge a fee to close a bank account. One caveat to this rule is that some banks will charge an early account closure fee if you close an account soon after opening it. For example, PNC charges a $25 fee if you close an account within 180 days of opening. This is to prevent customers from opening accounts just to earn a bonus.

Another fee you could see is if you overdraw on a closed account. SunTrust Bank, for example, has a $30 fee for an account closed in overdraft. You can avoid fees like this by ensuring all of your transactions have cleared before closing the account.

Is it bad to close a bank account?

Bank accounts are different from credit card accounts and aren’t part of your credit report. Closing a bank account doesn’t affect your credit score or history. Although financial institutions report account closures to ChexSystems, your opting to close a bank account does not have an adverse effect on your ChexSystems report.

How long do banks keep records of old accounts?

Banks are required by law to keep records of old checking and savings accounts for at least five years.

Can I close my bank account and open a new one with the same bank?

Yes, banks allow you to close one account and open another one. The process to close the old account is the same, although you’ll find your bank much happier to keep your business.

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Источник: https://www.forbes.com/advisor/banking/how-to-close-a-bank-account/

FAQs

Online Banking

Q: What is First National Bank's Online Banking?
A: FirstTeller is a FREE service to our customers! You can get free up-to-the-minute information about all of your accounts and view all account transactions including ATM and point of sale transactions. You can transfer funds between eligible accounts including making payments on loans or credit lines. You can download transaction information into money management software programs such as Microsoft Money™ (OFX) and Quicken™ (QIF).

All internal account transfers made after 5 p.m. will be posted on the following business day.

Q: What do I need to get started using First National Bank's Online Banking?
A: You need the following to get started with FirstTeller Online:

  • A personal computer
  • An active account with an Internet Service Provider (ISP)
  • Internet browser software with 128-bit security encryption
  • An account with First National Bank.

You can come by one of our locations and fill out an application. We will then assign you a User ID and temporary Password. This information will be sent to you by US Mail. The User ID and temporary Password will come in separate mailings.

Q: When I attempt to login to FirstTeller I receive the message "Invalid ID or PIN". What should I do?
A: If you are having trouble logging into the system or have forgotten your ID or PIN, please contact our Internet Banking Department during regular banking hours at (870) 886-5959 or 1-800-530-7561.

Q: Why does it say that my account is locked? and what do I do now?
A: Your account becomes locked after three unsuccessful login attempts. To get "unlocked", contact our Internet Banking department during normal business hours and they will be happy to unlock and reset your account for you.

Q: What if I forget my ID and PIN?
A: If you lose or forget your ID or PIN, you may contact our Internet Banking Department at (870) 886-5959 or 1-800-530-7561. After confirming your identity, we will be happy to assist you.

Q: What happens if I open an account after I start using FirstTeller Online Banking?
A: You will need to ask your New Accounts Representative to have your new account added.

Q: Why is my printout missing information on the right side?
A: Due to design issues, the normal "portrait" style of printing doesn't work correctly. To remedy this, we suggest that you print out your transactions in "Landscape" mode. To do this, please follow the following steps:

  • Select Print from the File drop down menu of your browser
  • Click on the Properties button
  • Select Landscape in the Orientation section
  • Click Ok
  • Click Ok

Q: What is a VTXTLR transaction?
A: VTXTLR is our way of indicating that a transaction was made by a teller. This could be either via the drive-up window or the inside tellers.

Bill Pay

Q: What is Bill Pay?
A: Bill Pay allows you to pay bills from a First National Bank checking account to any merchant whom you have selected in advance to receive payments by means of our Online Banking Bill Pay service. Currently, there is no charge for this service and you no longer have checks to write, no more stamps to buy and no more envelopes to seal.

Q: Who can I pay using Online Banking Bill Pay?
A: Anyone that you would write a check to or authorize through ACH transactions.

Q: How many days in advance should I schedule my payment?
A: You should allow time for your payments to process. For a payment made by check, you should allow approximately 10 business days. For an electronic payment, you should allow 3 business days.

Q: How do I know whether a payment will be made electronically or by check?
A: Our Bill Payment service determines which payments are made electronically or by check. When adding a payee, you should search the Electronic Payee database. If your payee is listed, your payment will be made electronically. If your payee is not listed, your payment will be made by check.

Q: When I pay a bill, when does the money come out of my account?
A: If the payee is in the Electronic Payee database, the funds come out of your account the day your payment is made. If the payee is paid by check, the funds will come from your account the day the check clears the bank ... just as if you'd written it from your checkbook.

Q: What is the Bill Payment cut-off time?
A: Payments made before 12:00 pm CST will be mailed the same day. Payments made after 12:00 pm CST will be mailed the next business day.

Q: Do I need to re-enter payee information each month?
A: Only if the payee information changes. The payee information will remain in Online Banking until you delete it. The only thing you'll have to change each month is the amount you want to pay and the date you want the bill paid.

Q: Who do I contact if I have a problem with Bill Pay?
A: Please contact our Internet Department at (870) 886-5959 or 1-800-530-7561 during regular business hours.

Q: What happens if I do not have enough money in my account to cover the bill payment I have set up?
A: If you request a payment for more than the balance in your account and the payment is to be made electronically, i.e. through the ACH network, in this case your payment will not be made. And, if you request a payment that will be paid by a check, the check will be written and the check will then be processed like any other check. However, when the check is processed by our bank and your account has insufficient funds to cover the check, then you will incur the same non-sufficient funds (NSF) charge for a check you may have written.

Q: Is there a charge for Bill Pay?
A: There is no charge for Bill Pay or Online Banking.

Источник: https://www.firstnb.bank/online-banking/faqs
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Canada has one of the safest banking systems in the world.

The Royal Bank of Canada, TD Bank, Bank of Nova Scotia (Scotiabank), Bank of Montreal, and the Canadian Imperial Bank of Commerceall rank within the top-35 most stable banks in the world.

I often get questions about what the best bank in Canada for newcomers, students, seniors, or online banking is?

The short answer is that your choice of a bank depends on your financial needs and preferences. And, in many cases, you can also be well served through a credit union.

This post covers Canada’s largest banks, a list of the best online banks, what they offer, and how to choose the best bank for you.

The Biggest Banks in Canada

The five largest banks in Canada all date back to the 19th century and have branches and ATMs across the country.

They offer a full suite of financial services including chequing account, savings, investments, brokerage services, mutual funds, insurance, business banking, mortgage loans, and more.

Here’s a list of the Big Five banks:

  • RBC
  • TD Bank
  • Scotiabank
  • BMO
  • CIBC

Other Schedule I banks in Canada with significant asset sizes and market capitalization include the National Bank of Canada, Laurentian Bank of Canada, Equitable Bank, and the Canadian Western Bank.

RBCScotiabankTDBMOCIBCNational Bank
Year Founded 1864183218551817 18671859 
Market Cap^ $137,285M  $66,847M$113,311M $51,932M $45,703M $23,747M
Stock Symbol RYBNS TD BMO CM NA 
Head OfficeTorontoTorontoTorontoMontrealTorontoMontreal
Institution Number 003002 004  001 010006 
SWIFT CodeROYCCAT2NOSCCATTTDOMCATTTORBOFMCAM2CIBCCATTBNDCCAMMXXX
Branches 1,210 9531,091 900 1,024 422
ATMs 4,2003,600  2,800 2,200 3,075 939

^ Market Capitalization as of September 17, 2020.

1. Scotiabank

Operating under the legal name of Bank of Nova Scotia, Scotiabank is the third largest bank in Canada based on asset size and market capitalization.

Its personal banking channel offers various chequing, savings, and credit card options.

Scotiabank Chequing Accounts

Scotiabank offers 5 chequing accounts that are designed to cater to different needs.

Its most basic chequing account offers 12 free transactions every month. On the other end of the spectrum, you can opt for Scotiabank’s Ultimate Package chequing account and enjoy premium perks including:

  • Unlimited transactions (debits and Interac e-transfers)
  • Up to $139 fee waivers on a credit card
  • Unlimited free Global withdrawals (non-scotiabank ATMs)
  • Extra 0.10% on a MomentumPLUS Saving Account
  • Free personalised cheques and drafts
  • Free stocks trading on Scotia ITRADE, and several more

All Scotia Chequing Accounts offer rewards points on everyday purchases in the form of SCENE or Scotia Rewards. You can redeem your points for free movies, food, travel, and gift cards.

Scotia’s Ultimate Package and Preferred Package accounts offer up to a $350 cash bonus when you open an account.

Ultimate PackagePreferred PackageBasic PlusBasic AccountStudent Banking
Monthly fee$30.95$16.95$10.95$3.95$0 (must be enrolled FT at a post-secondary institution
Minimum balance to waive the monthly fee$5,000$4,000$3,000N/AN/A
# of debit transactionsUnlimitedUnlimited25/month12/monthUnlimited
# of eTransfersUnlimitedUnlimited10/month2/monthUnlimited
Senior’s discount-$4.00-$4.00-$4.00-$3.95N/A
Special features$350 welcome bonus; Earn Scotia Rewards or SCENE points; Up to $139 waived on credit card fees annually; 0.10% interest rate boost on savings; Unlimited free non-Scotiabank ATM withdrawals globally; No monthly overdraft protection fee; Up to 10 free equity trades on Scotia iTrade; Free personalized cheques and drafts$300 welcome bonus; Earn Scotia Rewards or SCENE points; Up to $139 waived on credit card fees (1st year only); 0.05% interest rate boost on savings; 1 free non-Scotiabank ATM withdrawal/month; International money transfer at $1.99Earn Scotia Rewards or SCENE points; International money transfer at $1.99Earn Scotia Rewards or SCENE pointsEarn Scotia Rewards or SCENE points; $60 welcome bonus
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Scotiabank Savings Account

Scotiabank has 5 savings accounts you can choose from including the:

  • MomentumPLUS Savings Account
  • Savings Accelerator Account
  • Money Master Savings Account
  • Scotia U.S. Dollar Daily Interest Account
  • Scotia Euro Daily Interest Account

The MomentumPLUS Savings Account is Scotiabank’s high interest savings account and offers a base rate of 0.05%.

Depending on how long you keep the funds untouched and whether you pair it with a premium chequing account, you can earn up to 0.75% on your savings.

Get more details about Scotiabank’s savings accounts.

Scotiabank Credit Card

Scotiabank has a long list of Visa, Mastercard, and American Express credit cards, including some of the best credit cards in Canada.

One of their credit cards worth noting here is the Scotia Passport Visa Infinite.

This premium card waves the FX markup on foreign currency purchases, offers a complimentary Priority Pass membership (includes 6 free visits), and complimentary travel insurance.

Learn more about the card here.

2. Royal Bank of Canada

The Royal Bank of Canada (RBC) is the largest bank in Canada.

RBC sponsors many cultural and sporting events including The Canadian Open, one of the oldest golf tournaments in the world.

RBC Chequing Accounts

RBC offers 4 main chequing accounts:

  • RBC Day to Day Banking
  • RBC No Limit Banking
  • RBC Signature No Limit Banking
  • RBC VIP Banking

Its most basic chequing account offers 12 free transactions per month. Its Premium VIP option comes with unlimited debits, Interac e-transfer, free drafts, discounts on safe deposit box rentals, and up to a $120 fee rebate on select credit cards.

All RBC chequing accounts offer a saving of 3 cents per litre of gas purchased at Petro-Canada. You can also earn 20% more Petro-Points when you link your RBC debit card.

RBC Savings Accounts

RBC has 4 savings accounts you can choose from, including the:

  • RBC High Interest eSavings
  • RBC Enhanced Savings
  • RBC Day to Day Savings
  • RBC U.S. High Interest eSavings

Both the CAD and USD RBC high-interest savings account currently offer a 0.05% interest rate.

You can turn on the NOMI Find & Save feature to automate transfers and increase your savings rate.

RBC Credit Cards

RBC offers credit cards in various categories including cash back, travel, low-interest, and no-annual fees.

Here’s a review of the best RBC student credit cards.

If you are looking for a robo-advisor service from a big bank, check out this RBC Investease review.

3. Bank of Montreal

Bank of Montreal is the fourth largest bank in Canada and the oldest, having been founded in 1817.

BMO Chequing Accounts

BMO has 5 chequing accounts ranging from an entry-level “Practical” account to a “Premium” chequing account.

The five accounts are:

  • Premium chequing Account
  • Performance chequing account
  • Plus chequing account
  • AIR MILES chequing account
  • Practical chequing account

BMO Premium chequing offers unlimited transactions, free non-BMO ATM withdrawals, a $150 annual fee rebate on the BMO World Elite Mastercard, and free identity theft protection.

Similar to the other big banks, Newcomers to Canada can save on fees for a period when they open an account through BMO’s NewStart Program.

BMO Savings Accounts

For your savings needs, BMO offers 4 savings accounts including:

  • BMO Smart Saver
  • BMO Savings Builder
  • BMO Premium Rate Savings
  • BMO U.S. Dollar Premium Rate

The Savings Builder is their high-interest savings account and offers a 0.05% bank rate plus 0.45% bonus interest when you increase your balance by at least $200 each month.

BMO Credit Cards

BMO has a credit card fitting to most of the categories you can think of, including cash back rewards, AIR Miles, travel, low-interest and no-fee cards.

Here are the best BMO credit cards for 2021.

The BMO CashBack Mastercard is one of the top credit cards for students and newcomers to Canada.

BMO was the first Big Five bank to offer a digital investment service. You can learn more about BMO Smartfolio.

4. Toronto-Dominion Bank

TD is the second-largest bank in Canada by market capitalization.

TD Bank also has a significant presence in the United States, making it one of the largest banks in North America.

TD Chequing Accounts

TD has 6 chequing accounts, including two that are specific for students and youths. The accounts are:

  • TD All-Inclusive Banking Plan
  • TD Every Day Chequing Account
  • TD Unlimited Chequing Account
  • TD Minimum Chequing Account
  • TD Student Chequing Account
  • TD Youth Account

Its All-Inclusive Banking is the most expensive and offers unlimited transactions, free non-TD ATM withdrawal, certified cheques, money orders, personalized cheques, and up to a $120 fee rebate on eligible TD credit cards.

TD Savings Accounts

The bank has 3 savings account packages including:

  • TD ePremium Savings
  • TD Every Day Savings
  • TD High Interest Savings account

The interest rates on these accounts range from 0.01% to 0.10%. TD’s youth bank account also pays a 0.01% interest rate on your balance.

TD Credit Cards

TD has credit cards offering cash back, Aeroplan Miles, low rates, no-annual-fee, and TD travel rewards.

Some of the ones we have reviewed are:

5. Canadian Imperial Bank of Commerce

CIBC is one of the biggest banks in Canada. It also operates best high yield savings rates the U.S., Europe, and Asia.

CIBC Chequing Accounts

CIBC offers three main chequing accounts: CIBC Smart, Smart Plus, and Everyday chequing accounts.

The Everyday Chequing is its entry-level account and offers 12 free transactions per month.

The CIBC Smart Account is flexible and costs $6.95 to $16.95 depending on how many transactions you make during the month.

Lastly, the CIBC Smart Plus Account offers unlimited transactions, free non-CIBC ATM withdrawals, fee rebates on select credit cards, and more.

Here are more details about CIBC’s Chequing Account.

CIBC Savings Accounts

CIBC has 4 savings accounts including:

  • CIBC Bonus Savings First national bank of scotia online eAdvantage Savings Account
  • CIBC Premium Growth Account
  • CIBC US$ Personal Account

The eAdvantage savings account has CIBC’s highest interest rate at 0.05%.

Related: Best U.S. Dollar Business Savings Accounts

CIBC Credit Cards

CIBC has 21 Visa credit cards you can choose from, including the popular CIBC Aventura Visa Infinite.

You can also check out the AC Conversion Visa prepaid if you are looking to save on currency exchange fees.

6. National Bank of Canada

National Bank is the sixth-largest bank in Canada (Big Six) and has its headquarters in Montreal.

National Bank Chequing Accounts

National Bank has 4 chequing accounts including:

  • The Minimalist
  • The Modest
  • The Connected, and
  • The Total account packages

The Total chequing account offers unlimited transactions, free cheques (100/year), overdraft protection, up to $150 fee rebate for a National Bank Mastercard credit card, and an integrated line of credit.

The entry-level Minimalist package offers only 12 free transactions per month.

National Bank Savings Account

It offers a high interest Savings account with 0.05% interest.

For registered accounts, it also has a Cash Advantage Solution account offering 0.05%. This account is available as a TFSA, RRSP, or RRIF plan.

Benefits of Banking With the Big Banks

The biggest banks in Canada have their pros and cons. Here are some of the advantages of banking with them:

Branch Coverage: With thousand of Branch locations, you enjoy easy access to in-person support in all areas of the country.

ATM Coverage: The big banks have thousands of free ATMs across Canada which means you can avoid paying fees that accrue when you use out-of-network ATMs owned by other banks.

One-Stop Banking: You can easily open accounts to suit your varying financial needs with one bank instead of spreading them around. For example, you can open your chequing, savings, mortgage, investment, personal loan, and insurance accounts with the same bank.

Technology and Innovation: Big banks have a hefty budget dedicated to improving users’ experience and interface designs, and they pioneer technology that gives them an edge against their competitors.

International Reach: If you travel abroad frequently, a big bank with operations internationally can save you money through free ATMs or branch locations at your destinations.

Stability: A bank that has been around for 150 years is unlikely to disappear overnight. In fact, some of the biggest banks are classified as Systemically Important Financial Institutions (SIFI) or “too big to fail&rdquo.

These banks face extra scrutiny from regulators, providing an extra layer of security for their customers.

Related: Best Banks for Seniors in Canada

Downsides of Banking With a Big Bank

In exchange for convenience and perceived stability, here are some of the cons of a big bank:

Higher Fees: Big banks charge you a fee for everything. If the fee is not obvious, check the small print.

Poor rates: From extremely low savings interest rates to high mortgage and personal loan rates, a big bank is hardly the place to find the most competitive rate possible. There’s also limited room to negotiate better rates.

Less Personalized Service: Unless you have a huge bank balance, you shouldn’t expect top-level customer service. Community-based and financial institutions such as credit unions are better in this regard.

Watch out for Shady Practices: It’s no secret that many big banks have been mired in controversies in recent times from misleading tactics in selling credit card insurance, to pushing expensive add-ons people don’t need. Your banking could get a lot more expensive than you planned for.

Related: Best Business Credit Cards in Canada

Top Online Banks in Canada

While the Big five banks typically get most of the attention, several digital banks continue to gain traction as more people become comfortable with online banking.

These branchless virtual banks are best known for providing free chequing accounts and some of the best savings rates available.

All of the four mentioned below are also wholly-owned by Schedule I banks:

  • EQ Bank
  • Tangerine Bank
  • Simplii Financial
  • Motive Financial

1. EQ Bank

EQ Bank is a subsidiary of Equitable Bank, a Schedule I bank with more than $36 billion in assets under management.

It offers high-interest savings and Guaranteed Investment Certificate Investments through its website and innovative mobile app.

EQ Bank Savings Account

The EQ Bank-Savings Plus Account offers one of the best non-promotional rates in Canada.

It also functions as a hybrid account (chequing + savings) with features including:

  • Unlimited free bill payments and electronic fund transfers
  • Unlimited Interac e-Transfers
  • No monthly banking fees
  • Free mobile cheque deposits
  • No minimum account balance
  • CDIC insurance up to $100,000 per insured category
  • Joint accounts

This account currently pays a 1.25%* interest on every dollar in your account which is one of the best savings interest rates in Canada right now. You can sign up for it here.

In addition to the hybrid Savings Plus Account, you can open an EQ Bank TFSA or RSP account and earn high interest rates up to 2.20%* using savings products or GICs.

EQ Bank GICs

It offers GICs with terms ranging from 3 months to 5 years. The minimum amount you can invest first national bank of scotia online an EQ Bank GIC is $100.

EQ Bank also offers joint accounts and you can send cheap international money transfers directly from your account using TransferWise.

2. Tangerine Bank

Tangerine Bank is the direct banking arm of Scotiabank. It was formerly known as ING Direct Canada. Apart from a few kiosks and cafes in Toronto, Montreal, Vancouver, and Calgary, Tangerine is a full-fledged online bank.

Tangerine Chequing Account

The Tangerine No-Fee Chequing account offers all the basic necessities including:

  • $0 monthly account fee
  • Unlimited free debits, Interac, e-Transfer transactions, and Tangerine email money transfers
  • Free access to 3,500 Scotiabank ATMs in Canada and 44,000 worldwide
  • Interest up to 0.10% on your balance
  • Mobile cheque deposits

Your first cheque book order (includes 50 cheques) is free.

Tangerine Savings Account

Tangerine’s Savings Account is available under 6 different plans: high-interest savings (general), RRSP, TFSA, US$ savings, RRIF, and a children’s account.

Tangerine Credit Cards

Two of the best cash back credit cards in Canada are offered by Tangerine.

Tangerine Money-Back Card: Earn up to 2% cash back on your purchases while paying $0 in annual fees. Cardholders get an unlimited 2% back up to 3 categories of spending and 0.50% on everything else.

Get more details about the card or apply here (10% cash back for a limited time).

Tangerine World Mastercard: This card has a similar cash back offer plus some premium perks including:

  • Rental car insurance
  • Mobile device insurance
  • Complimentary Mastercard Airport Experiences membership
  • Free Wi-Fi at 1 million+ hotspots around the world

Even better, the Tangerine World Mastercard has no annual fee. Read our review of the card.

3. Simplii Financial

Simplii Financial is the direct banking arm of CIBC.

It used to be known as President’s Choice Financial when it was under the banner of both Loblaws and CIBC, until 2017.

Simplii Chequing Account

Simplii Financial’s No-Fee Chequing Account has no monthly account fees and offers:

  • Unlimited debits and bill payments
  • Free access to more than 3,400 CIBC ATMs
  • Interest on your balance up to 0.10%

It also has a global money transfer service that gives you a $50 bonus when you send your first eligible international money transfer.

Simplii Savings Account

This savings account pays 0.10% interest and has no monthly fees.

In addition to saving and chequing accounts, Simplii Financial has investment funds and GICS you can put inside non-registered and registered accounts.

Simplii Credit Card

Simplii has one credit card – the Simplii Financial Cash Back Visa. This credit card is great for gas, groceries, and restaurant purchases.

It features include 4% cash back on restaurant and bars, 1.5% on gas, groceries and drugstore purchases, and 0.50% on all other purchases.

4. Motive Financial

Motive Financial is a division of the Canadian Western Bank, a Schedule I bank based in Edmonton. It offers chequing high interest savings and GICs.

Motive Financial Chequing Accounts

Motive has two chequing accounts. The Motive Cha-Ching Chequing Account offers:

  • No monthly account Fee
  • Unlimited free transactions and Interac e-Transfer
  • Interest on your balance (0.25%)
  • Access to thousands of ding-free ATMs

The Motive Chequing also offers unlimited free transactions, however, it does not appear to be available to new clients.

Motive Savings Accounts

Motive has two savings accounts: Motive Savings and Motive Savvy Savings. The Motive Savvy Savings account offers a 1.25% interest rate.

Its features include:

  • No minimum balance
  • 2 free transactions per month

For Motive Savings, you earn 0.75% on balances of up to $5million and 0.50% on amounts over this limit.

Motive customers can also access GICs for TFSA, RRSP, and other investment accounts.

Types of Banks in Canada

There are three broad categories for banks operating in Canada as per the Bank Act.

Schedule I: These are domestic banks that are not subsidiaries of a foreign bank. They are authorized to accept deposits and may be eligible for deposit insurance through CDIC.

Examples include RBC, TD, CIBC, BMO, Scotiabank, Tangerine, National Bank of Canada, Equitable Bank, etc.

Schedule II: These banks are subsidiaries of eligible foreign banks and are also authorized to accept deposits. Examples include HSBC Bank Canada, ICICI Bank Canada, Citibank Canada, and Bank of China (Canada).

Schedule III: This category includes branches of foreign banks that operate in Canada and are authorized under the Bank Act to carry on banking business in Canada. Examples include Bank of America, Capital One Bank, Deutsche Bank AG, Citibank N.A., and BNP Paribas.

Schedule III banks operate under some restrictions. For example, they are generally limited from accepting deposits of less than $150,000.

How To Choose The Best Bank For You

While we have covered some of the best bank options in Canada, the best bank for you boils down to your specific needs.

Here are some of the factors you should consider:

1. Fees:  How much are you willing to pay for your money to sit in a bank account? For convenience? Are you maximizing the features of the account?

If you do most of your banking online, a no-fee chequing account may be all you need. If you need to visit a branch every now and then or first national bank of scotia online premium perks, it may make sense to keep the minimum balance in order to waive the account fee at your bank.

2.ATM and Branch Network: Find out whether the account offers access to free ATMs at convenient locations. You don’t want to skimp on the monthly fees only to pay it back in transaction costs.

3.Safety: All the banks listed here are members of the Canada Deposit Insurance Corporation (CDIC). This means your deposit accounts are protected up to $100,000 per category.

4. Interest Rates: How much is the bank paying you to save money? Compared to a big bank savings account, you could potentially earn 10-30 x more in interest on your savings when you choose an online bank.

5.Perks: Depending on your needs, a package offering free cheques, drafts, safe deposit box rental, credit card fee rebates, loyalty rewards, etc., may influence your choice.

6. Promotion: Banks often advertise juicy offers in order to attract new customers. While these sign-up bonuses are short-term, they may be worth your time.

Here are the bank promotions available in Canada.

Compare the Best Banks in Canada

Best Banks FAQs

What is the best bank to use in Canada?

The best bank for you depends on your financial needs, including the number of transactions you typically conduct every month, your location, need for in-person assistance, and whether you have a need for premium perks.

What is the number one bank in Canada right now?

The biggest bank in Canada right now is the Royal Bank of Canada. It surpasses the others by asset size and market capitalization. The second biggest bank based on these same metrics is Toronto-Dominion Bank (TD Bank).

Which banks take the top five spots?

The top five biggest banks in Canada are RBC, TD, Scotiabank, BMO, and CIBC.

Which banks have no monthly fees?

If you are looking for a no-fee bank, your best bet is to choose an online bank. Online banks have their pros and cons. You pay minimal fees for day-to-day banking transactions, however, most transactions can only be conducted online as they lack branches.

What’s your experience with banks in Canada? Let us know in the comments.

Источник: https://www.savvynewcanadians.com/best-banks-canada/

FAQs

Online Banking

Q: What is First National Bank's Online Banking?
A: FirstTeller is a FREE service to our customers! You can get free up-to-the-minute information about all of your accounts and view all account transactions including ATM and point of sale transactions. You can transfer funds between eligible accounts including making payments on loans or credit lines. You can download transaction information into money management software programs such as Microsoft Money™ (OFX) and Quicken™ (QIF).

All internal account transfers made after 5 p.m. will be posted on the following business day.

Q: What do I need to get started using First National Bank's Online Banking?
A: You need the following to get started with FirstTeller Online:

  • A personal computer
  • An active account with an Internet Service Provider (ISP)
  • Internet browser software with 128-bit security encryption
  • An account with First National Bank.

You can come by one of our locations and fill out an application. We will then assign you a User ID and temporary Password. This information will be sent to you by US Mail. The User ID and temporary Password will come in separate mailings.

Q: When I attempt to login to FirstTeller I receive the message "Invalid ID or PIN". What should I do?
A: If you are having trouble logging into the system or have forgotten your ID or PIN, please contact our Internet Banking Department during regular banking hours at (870) 886-5959 or 1-800-530-7561.

Q: Why does it say that my account is locked? and what do I do now?
A: Your account becomes locked after three unsuccessful login attempts. To get "unlocked", contact our Internet Banking department during normal business hours and they will be happy to unlock and reset your account for you.

Q: What if I forget my ID and PIN?
A: If you lose or forget your ID or PIN, you may contact our Internet Banking Department at (870) 886-5959 or 1-800-530-7561. After confirming your identity, we will be happy to assist you.

Q: What happens if I open an account after I start using FirstTeller Online Banking?
A: You will need to ask your New Accounts Representative to have your new account added.

Q: Why is my printout missing information on the right side?
A: Due to design issues, the normal "portrait" style of printing doesn't work correctly. To remedy this, we suggest that you print out your transactions in "Landscape" mode. To do this, please follow the following steps:

  • Select Print from the File drop down menu of your browser
  • Click on the Properties button
  • Select Landscape in the Orientation section
  • Click Ok
  • Click Ok

Q: What is a VTXTLR transaction?
A: VTXTLR is our way of indicating that a transaction was made by a teller. This could be either via the drive-up window or the inside tellers.

Bill Pay

Q: What is Bill Pay?
A: Bill Pay allows you to pay bills from a First National Bank checking account to any merchant whom you have selected in advance to receive payments by means of our Online Banking Bill Pay service. Currently, there is no charge for this service and you no longer have checks to write, no more stamps to buy and no more envelopes to seal.

Q: Who can I pay using Online Banking Bill Pay?
A: Anyone that you would write a check to or authorize through ACH transactions.

Q: How many days in advance should I schedule my payment?
A: You should allow time for your payments to process. For a payment made by check, you should allow approximately 10 business days. For an electronic payment, you should allow 3 business days.

Q: How do I know whether a payment will be made electronically or by check?
A: Our Bill Payment service determines which payments are made electronically or by check. When adding a payee, you should search the Electronic Payee database. If your payee is listed, your payment will be made electronically. If your payee is not listed, your payment will be made by check.

Q: When I pay a bill, when does the money come out of my account?
A: If the payee is in the Electronic Payee database, the funds come out of your account the day your payment is made. If the payee is paid by check, the funds will come from your account the day the check clears the bank . just as if you'd written it from your checkbook.

Q: What is the Bill Payment cut-off time?
A: Payments made before 12:00 pm CST will be mailed the same day. Payments made after 12:00 pm CST will be mailed the next business day.

Q: Do I need to re-enter payee information each month?
A: Only if the payee information changes. The payee information will remain in Online Banking until you delete it. The only thing you'll have to change each month is the amount you want to pay and the date you want the bill paid.

Q: Who do I contact if I have a problem with Bill Pay?
A: Please contact our Internet Department at (870) 886-5959 or 1-800-530-7561 during regular business hours.

Q: What happens if I do not have enough money in my account to cover the bill payment I have set up?
A: If you request a payment for more than the balance in your account and the payment is to be made electronically, i.e. through the ACH network, in this case your payment will not be made. And, if you request a payment that will be paid by a check, the check will be written and the check will then be processed like any other check. However, when the check is processed by our bank and your account has insufficient funds to cover the check, then you will incur the same non-sufficient funds (NSF) charge for a check you may have written.

Q: Is there a charge for Bill Pay?
A: There is no charge for Bill Pay or Online Banking.

Источник: https://www.firstnb.bank/online-banking/faqs

Scotiabank

Canadian bank based in Toronto

The Bank of Nova Scotia (French: La Banque de Nouvelle-Écosse), operating as Scotiabank (French: Banque Scotia), is a Canadian multinational banking and financial services company headquartered in Toronto, Ontario. One of Canada's Big Five banks, it is the third largest Canadian bank by deposits and market capitalization. It serves more than 25 million customers around the world and offers a range of products and services including personal and commercial banking, wealth management, corporate and investment banking. With more than 92,001 employees and assets of CA$1,136 billion (according to 2020 annual report), Scotiabank trades on the Toronto (TSX: BNS) and New York (NYSE: BNS) exchanges.

Scotiabank was founded in 1832 in Halifax, Nova Scotia, where it was headquartered until relocating to Toronto in 1900.[3] Scotiabank has billed itself as "Canada's most international bank" due to its acquisitions primarily in Latin America and the Caribbean, and also in Europe and parts of Asia. Scotiabank is a member of the London Bullion Market Association and one first national bank of scotia online fifteen accredited institutions which participate in the London gold fixing.[4] From 1997 to 2019, this was conducted through its precious metals division ScotiaMocatta.[5]

Scotiabank is led by President and CEO Brian J. Porter.[6]

History[edit]

19th century[edit]

William Lawson, served as the first president of the Bank of Nova Scotia, from 1832 to 1837.

The bank was incorporated by the Legislative Assembly of Nova Scotia on March 30, 1832, in Halifax, Nova Scotia, with William Lawson serving as the first president.[7] Scotiabank was founded in Halifax, Nova Scotia, in 1832 under the name of The Bank of Nova Scotia. The bank intended to facilitate the trans-Atlantic trade of the time.[3] Later, in 1883, The Bank of Nova Scotia acquired the Union Bank of Prince Edward Island, although most of the bank's expansion efforts in the century took the form of branch openings.[8]

The bank launched its branch banking system by opening in Windsor, Nova Scotia. The expansion was limited to the Maritimes until 1882, when the bank moved west by opening a branch in Winnipeg, which later closed, but the bank continued to expand into the American Midwest. This included opening a branch in Minneapolis in 1885, which later transferred to Chicago in 1892. Following the collapse of the Commercial Bank of Newfoundland and Union Bank of Newfoundland on December 10, 1894, The Bank of Nova Scotia established on December 15, 1894, in Newfoundland.[7]

The bank opened a branch in Kingston, Jamaica in 1889 to facilitate the trading of sugar, rum, and fish. This was Scotiabank's first move into the Caribbean and historically the first branch of a Canadian bank to open outside of the United States or the United Kingdom.[3][8] In 1899, Scotiabank opened a branch in Boston, Massachusetts. By the end of the 19th century, the bank was represented in all of the Maritimes, Quebec, Ontario, and Manitoba. In 1900, the bank moved its headquarters to Toronto, Ontario.[9][8]

20th century[edit]

The bank continued to grow with the opening of new branches in the early 20th century. In 1906, the Bank of Nova Scotia opened a branch in Havana, Cuba, followed by a branch in New York City in the following year. In 1910, the bank opened a branch in San Juan, Puerto Rico. The bank also grew with the merger and acquisition of other banks, including the Bank of New Brunswick in 1913, and the Toronto-based Metropolitan Bank in 1914.[8] The acquisition of Metropolitan Bank made the Bank of Nova Scotia the fourth largest financial institution in Canada at that time.[8] In 1919, the bank amalgamated with the Bank of Ottawa.[8]

In 1919, the bank opened a branch are there alligators in outer banks north carolina Fajardo, Puerto Rico. In the following year, the bank opened a branch in London, and another in Santo Domingo, Dominican Republic. The bank also saw growth in Cuba, with five branches in Havana, and one branch each in Camagüey, Cienfuegos, Manzanillo, and Santiago de Cuba by 1931.

During the mid 20th century, the bank grew not only in size but also in breadth of products and services. Progress was conditioned by changing consumer needs, legal changes, or acquisitions of external service providers. Tioga state bank newfield changes include:[8] Following the passage of the National Housing Act, the Bank of Nova Scotia created a mortgage department in 1954. Further changes to the Bank Act of 1954 in 1958 led to the bank introducing its consumer credit program. first national bank of scotia online bank's branches in Cuba continued to operate until 1960, when the Government of Cuba nationalized all banks in Cuba, and the Bank of Nova Scotia withdrew its services from all eight branches. During the 1960s, the Bank of Nova Scotia became the first Canadian bank to appoint women as bank managers, with the first appointed on 11 September 1961.[7] In the next year, the bank expanded into Asia with the opening of a Representative Office in Japan.[8]

In 1975, the Bank of Nova Scotia adopted Scotiabank as its worldwide brand name. On 28 September 1978, Scotiabank and Canadian Union of Public Employees signed a collective agreement in Toronto, making Scotiabank the first Canadian bank to sign a collective agreement with a union.[7]

In 1986, Scotiabank created Scotia Securities to provide discount brokerage and security underwriting services. The late 1980s and 1990s saw the bank acquire several firms, including McLeod Young Weir Ltd brokerage firm in 1988, and Montreal Trustco Inc. in 1994. In 1997, the bank acquired National Trustco Inc. for C$1.25 billion. In the same year, Scotiabank acquired Banco Quilmes in Argentina.

21st century[edit]

In 2000, Scotiabank increased its stake in Mexican bank Grupo Financiero Inverlat to 55 percent. The Mexican bank was subsequently renamed to Grupo Financiero Scotiabank Inverlat.[8] Scotabank later acquired Inverlat banking house in 2003, taking over all of its branches and establishing a strong presence in the country.[10]

In 2002, Scotiabank shut its branches (formerly Banco Quilmes) in Argentina during the currency crisis and massive sovereign default. In the following year, Scotiabank's Guangzhou branch was awarded the first licence to a Canadian bank by the Chinese government to deal in Chinese currency.[7] In 2007, Scotiabank acquired a 24.98 per cent stake in Thanachart Bank, with that share later increasing to 48.99 per cent by December 2014. With the acquisition of Siam City Bank, Thanachart Bank is now the 6th largest bank (by assets) in Thailand with over 16,000 staff serving more than four million customers through 680 branches and 2,100 ATMs across the country.[11]

In 2010, the bank opened its first offices in Bogotá, Colombia. On October 20, 2011, Scotiabank acquired a 51% stake in Colpatria [es], Colombia's fifth largest bank and second largest issuer of credit cards, for $1 billion Canadian in cash and stock (10 million shares). It is the second largest foreign transaction ever by a Canadian financial company overseas, behind Royal Bank of Canada's purchase in Royal Bank of Trinidad and Tobago.[12]

A Tangerine"cafe" in Toronto. Tangerine is a subsidiary of Scotiabank that was acquired in 2012.

In 2012, Scotiabank entered into an agreement to acquire ING Direct Bank of Canada from ING Groep N.V. Two years later, Scotiabank would acquire ING Direct Bank of Canada for C$3.13 billion.[13] The sale completed on 15 November 2012,[14] and ING Bank of Canada was later renamed it Tangerine in April 2014.

As a result of the FATCA agreement between Canada and the United States, signed between the two countries in 2014, Scotiabank has also spent almost $100 million implementing a controversial system to report to the United States the account holdings of close to one million Canadians of American origin and their Canadian-born spouses. Scotiabank has been forced to implement this system in order to comply with FATCA. According to Financial Post, FATCA requires Canadian banks to provide information to the United States including total assets, account balances, account numbers, transactions, account numbers, and other personal identifying information, as well as assets held jointly with Canadian-born spouses and other family members.[15][16]

On 14 July 2015, Scotiabank announced that it would buy Citigroup's retail and commercial banking operations in Panama and Costa Rica. Terms of the transaction were not disclosed. The purchase would increase Scotiabank's client base in both countries from 137,000 to 387,000, and would add 27 branches to the existing 51 branches in both Central American nations.[17]

Scotiabank's former President, CEO and Chairman Cedric Ritchie died on March 20, 2016. He was a President of Scotiabank from 1972, and CEO and Chairman from 1974 to 1995. Under his leadership, Scotiabank expanded into more than 40 countries and grew to 33,000 employees.[18]

In 2018, Scotiabank acquired Montreal investment firm Jarislowsky Fraser, also in 2018 Scotiabank completed the acquisition of a 68.19% stake in BBVA Chile for C$2.9 billion, as a result BBVA Chile was merged into Scotiabank Chile.[19] On 21 February 2019, the Prosecutor in the Central American country of Costa Rica raided Scotiabank's offices in San José, Costa Rica, claiming that the bank had failed to provide the government with information on accounts and deposits that could allegedly implicate Alejandro Toledo, the former president of Peru, in money laundering.[20] Later that year, in June 2019 it was announced that OFG Bancorp would acquire all branches of Scotiabank within Puerto Rico and The United States Virgin Islands territories as part of a $550M cash deal.

In 2019, Scotiabank underwent a rebranding, modifying its wordmark logo and introducing a new corporate font based on its design, downplaying the company's S and globe monogram, and increasing use of the abbreviated name "Scotia".[21]

Acquisitions and mergers[edit]

The bank has amalgamated with several other Canadian financial institutions through the years and purchased several other banks overseas.[3][22] Most have been rebranded since their acquisition, although a few continue to utilize their former names. Several branches of the former Montreal Trust and National Trust were rebranded Scotiabank & Trust, and continue to operate as such.

Operating units[edit]

Scotiabank has four business lines:[24]

  • Canadian Banking provides financial advice and banking to personal and business customers across Canada. Scotiabank also provides an alternative self-directed banking method through Tangerine Bank.
  • International Banking provides financial products and advice to retail and commercial customers in select regions outside of Canada, supplemented by additional products and services offered by Global Banking & Markets and Global Wealth & Insurance.
  • Global Wealth & Insurance (GWI) combines the Bank's wealth management and insurance operations in Canada and internationally, and Global Transaction Banking. GWI is diversified across geographies and product lines.
  • Global Banking & Markets, Scotiabank's wholesale banking and capital markets arm, offers various products and services to corporate, government and institutional investor clients globally.
Year200120022003200420052006200720082009201020112012201320142015201620172018
Revenues, bln $10.36510.72710.26110.29510.72611.20812.49011.87614.45715.50517.31019.64621.29923.60424.04926.35027.15528.775
Net income, bln $2.0771.7082.4222.9083.2093.5794.0453.1403.5474.2395.3306.3906.6107.2987.2137.3688.2438.724
Assets, bln $284.4296.4285.9279.2314.0379.0411.5507.6496.5526.7594.4668.2743.6805.7856.5896.3915.3998.5
Employees46,80444,63343,98643,92846,63154,19958,11369,04967,80270,77275,36281,49786,69086,93289,21488,90188,64597,629
Branches200518471850187119592191233126722686278429263123333032883177311330033,095
AgencyRating
DBRSAAStable
FitchAA-Stable
Moody'sAa2Stable
Standard & Poor'sA+Stable

Branch and office locations[edit]

Canadian[edit]

A Scotiabank branch next to a public library in Victoria, Canada.

Scotiabank operates branches in all Canadian provinces and territories, except for Nunavut.

Global[edit]

A Scotiabank branch in Holetown, Barbados.

[edit]

Sports[edit]

Scotiabank is the title sponsor for a number of sports events including the Calgary Marathon, the CONCACAF Champions League tournament (since 2015), and the Jewish National Fund's "Pitch for Israel" event. Scotiabank is also the title sponsor for running events that form a part of the Canada Running Series. They include Banque Scotia 21k de Montreal + 10k & 5k in April; Scotiabank Vancouver Half-Marathon & 5k Run/Walk in June; Scotiabank Toronto Waterfront Marathon, Half-Marathon & 5k in October; and the Scotiabank Bluenose Marathon.[26] Since 2005, Scotiabank has also been the title sponsor of the CFL playoffs semi-final and conference final games, with games titled as the Scotiabank East Semi-finals and Scotiabank West Semi-finals. This is in addition to being the official financial services provider to the Canadian Football League. Scotiabank was also a primary sponsor for Champion Boxer Miguel Cotto during his 2009 bout with Manny Pacquiao.

Other sporting events Scotiabank has sponsored includes the 2007 Cricket World Cup, during which it was awarded the title as the official bank of the tournament by the International Cricket Council. During the event, several stadia and venues across the Caribbean (and Guyana in South America) are to become outfitted with Scotiabank automated banking machines.[27] In 2010, Scotiabank was a sponsor of the World Rally Championship's Corona Rally Mexico. Since 2008, Scotiabank has been the official team sponsor of Canadian Cricket Team and the title sponsor of National T20 Championship in Canada. Scotiabank is also the official bank of the West Indies Cricket Team.[28][29]

Scotiabank also sponsors sports leagues and teams, becoming a sponsor for Club Deportivo Guadalajara in 2013; and becoming the official sponsor for the Chilean Primera División after signing a five-year period contract in 2014. Scotiabank is also the official bank of the National Hockey League and National Hockey League Players' Association.[30] Scotiabank also sponsors the Little NHL (native hockey league) and several girls' hockey festivals across Canada. In October 2007, Scotiabank became a sponsor of the Hockey Night in Canada broadcast by Canadian Broadcasting Corporation/Sportsnet and the title sponsor for its pregame show, Scotiabank Hockey Tonight. Other sports broadcasts sponsored by Scotiabank includes CTV Television Network's and TSN's coverage of Premier LeagueSoccer and the FA Cup Final, since 2013.

In addition to sporting broadcasts and events, Scotiabank is also the title sponsor for a number of athletic facilities. They include the Scotiabank Aquatics Center in Guadalajara; Scotiabank Saddledome in Calgary (since 8 October 2010); and the Scotiabank Centre in Halifax (since 25 June 2014). The naming rights for the Scotiabank Centre was signed for ten years, with annual fees of $650,000 for said rights.[31] The facility official opened its doors as the rebranded Scotiabank Centre on September 19, 2014.[32] On 29 August 2017, Scotiabank and Maple Leaf Sports & Entertainment, announced that Scotiabank purchased the naming rights to the Air Canada Centre for $800 million. The multi-sport complex was renamed 1 July 2018 as Scotiabank Arena.[33] From 2006 through 2013, Scotiabank held the naming rights to the arena of the Ottawa Senators, branding it Scotiabank Place. Canadian Tire took over the naming rights for the Senators' arena in June 2013.[34]

Culture[edit]

Scotiabank has been a title sponsor for a number of cultural events and institutions in Canada. In 2005, Scotiabank became title sponsor of the Giller Prize.[35] From 2006 to 2015, Scotiabank was the title sponsor for the Nuit Blanche event in Toronto.[36] In 2008, Scotiabank announced a two-year sponsorship of Toronto's Caribana which would be rebranded as Scotiabank Caribbean Carnival Toronto. The sponsorship of the Caribbean festival was extended until 2015, when the partnership with the festival ended.[36] In 2016 Scotiabank held its first hackathon with the goal of solving Canadian debt.

Scotiabank and Canadian theatre operator, Cineplex Entertainment, partnered together in 2007 to create a loyalty rewards program called Scene. The program allows patrons to sign-up for a special card that grants them points which can be redeemed for free movies or concession discounts. Scotiabank customers can also request a Scene debit card which gives them points when used. The bank launched a Scene Visa credit card in early May. Five Cineplex Entertainment locations were also rebranded as "Scotiabank Theatres." In 2015, the two companies announced they extended the partnership through 31 October 2025 and would expand naming rebrand another five theatres as Scotiabank Theatres.[37]

Scotiabank is also the title sponsor for two post-secondary facilities in Canada, including Scotiabank Hall at Brock University in St. Catharines;[38] and Scotiabank Hall in the Marion McCain Arts and Social Sciences Building at Dalhousie University in Halifax.[39] Scotiabank has also established an industry partnership with the University of Waterloo Stratford Campus.[40]

Awards[edit]

  • 2005 – "Bank of the Year" – For Mexico, the Caribbean and in Jamaica by LatinFinance.[41]
  • 2007 – "Bank of the Year" The Banker – London England, Scotiabank Trinidad and Tobago, Scotiabank Belize, Scotiabank Turks and Caicos
  • 2008 – "Bank of the Year" The Banker - London England, Scotiabank Barbados, Scotiabank Trinidad and Tobago, Scotiabank Guyana, Scotiabank Turks and Caicos
  • 2009 – "Bank of the Year" The Banker – London England, Scotiabank Canada, Scotiabank Barbados, Scotiabank Dominican Republic, Scotiabank Trinidad and Tobago, Scotiabank Turks and Caicos
  • 2010 – "Bank of the Year" The Banker – London England, Scotiabank Barbados, Scotiabank Trinidad and Tobago, Scotiabank Turks and Caicos
  • 2011 – "Best Emerging Market Bank" Global Finance Magazine – New York, Scotiabank Jamaica, Scotiabank Barbados, Scotiabank Costa Rica, Scotiabank Turks and Caicos.[42]
  • 2012 - "Global Bank of the Year" The Banker "Bank of the Year" for the Americas, Antigua, Barbados, Belize, British Virgin Islands, Canada and Turks and Caicos.[43]
  • 2013 - "Bank of the Year" in British Virgin Islands, Canada, Guyana, Jamaica and Trinidad and Tobago by The Banker.[44]
  • 2014 – "Best Emerging Market Bank in Latin America" Global Finance Magazine in Jamaica, Barbados, Trinidad & Tobago, Turks and Caicos and U.S. Virgin Islands.[45]

Controversies[edit]

Fraud in Mexico[edit]

A 2001 investigation into the murder of Maru Oropesa, a Scotiabank branch manager in Mexico City revealed US$14 million missing from the branch. Initially, investigators found that Oropesa and Jaime Ross, her former boss, had illegally transferred US$5 million from client investment accounts. The money was eventually transferred to the United States where it was used to purchase three aircraft. As the investigation continued, officials found an additional $9 million missing and involvement of 16 other bank employees in the fraud.[46][47] Ross was convicted of fraud and money laundering for his role and sentenced to 15 years.[48] Scotiabank terminated the other 16 employees, but did not prosecute them.[46]

Unpaid overtime lawsuit[edit]

In 2014, the bank reached a settlement in a class-action lawsuit that covered thousands of workers owed more than a decade of unpaid overtime. The lawsuit included 16,000 Scotiabank employees across Canada who worked as personal banking officers, senior personal banking officers, financial advisors, and small business account managers from January 1, 2000, to December 1, 2013. The 2007 lawsuit was similar to a class-action filed by Canadian Imperial Bank of Commerce (CIBC) bank teller Dara Fresco of Toronto.

Under terms of the settlement, employees received 1.5 times their standard wage at the time, but no interest. Scotiabank also paid legal fees of $10.45 million.[49][50]

Wrongful dismissal lawsuit[edit]

In June 2005, David Berry, a very successful Canadian Scotiabank trader who had built a $75M/year business in trading preferred shares, was fired on the grounds that he had committed securities regulatory violations.[51] At the time, as part of a 20 per cent direct drive deal, he was making more than double the CEO's salary and Scotiabank management had already taken steps to limit his compensation.[52] The regulatory violation allegations from his former employer, left him unemployable to Scotiabank's competitors despite the appeal of potentially adding more than $75M/year to their equity trading profits.[52]

Documents delivered to the media showing that Scotiabank management had sought advice on terminating Berry prior to the Investment Industry Regulatory Organization of Canada (IIROC) violation accusation, and the results of questioning during the IIROC inquiries strongly suggest that the securities charges were part of a plan by Scotiabank senior management to remove Berry from his position and simultaneously prevent him from becoming their competitor.[53]

In a ruling on January 15, 2013, more than seven years after the initial accusation, a hearing panel of the IIROC dismissed all charges against Berry.[54][55]

David Berry filed a $100M wrongful dismissal lawsuit against Scotiabank. As of January 2015, and nine years after Berry was terminated, Scotiabank settled with Berry for an undisclosed amount. Barry Critchley, who followed the story since its beginning, wrote an article on November 6, 2014, in which he believes Scotiabank's $55 million reported legal charges would likely be connected to the $100 million lawsuit; but it is unlikely to ever be known.[56]

Membership[edit]

Scotiabank is a member of the Canadian Bankers Association (CBA) first national bank of scotia online registered member with the Canada Deposit Insurance Corporation (CDIC), a federal agency insuring deposits at all of Canada's chartered banks. It is also a member of the Global ATM Alliance, a joint venture of several major international banks that allows customers of the banks to use their ATM cards or check cards at certain other banks within the Global ATM Alliance without fees when traveling internationally. Other participating banks are Barclays (United Kingdom), Bank of America (United States), BNP Paribas (France and Ukraine through UkrSibbank), Deutsche Bank (Germany), and Westpac (Australia and New Zealand).[57] Other international associations the bank is a member of includes:

See also[edit]

References[edit]

  1. ^"Mail Us". Scotiabank. Retrieved December 4, 2010.
  2. ^ abcdef"2020 Annual Report".
  3. ^ abcd"The Scotiabank Story". Scotiabank. 2010. Retrieved October 13, 2013.
  4. ^"The London Gold Fix". Bullionvault Ltd. 2016. Retrieved February 15, 2016.
  5. ^"Scotiabank Drops 348-Year-Old Mocatta Name in Metals Unit Revamp". Bloomberg. 2019. Retrieved September 19, 2019.
  6. ^Touryalai, Halah (February 12, 2014). "Largest 100 banks in the world". Forbes. Retrieved August 18, 2017.
  7. ^ abcdePound, Richard W. (2005). Fitzhenry and Whiteside Book of Canadian Facts and Dates. Fitzhenry and Whiteside. ISBN .
  8. ^ abcdefghi"The Bank of Nova Scotia History". Funding Universe. Retrieved August 18, 2017.
  9. ^"Scotiabank". Toronto Star. May 3, 1904. p. 12. Retrieved August 18, 2017.
  10. ^"Scotiabank confirms offer for Mexican bank shares". Investment Executive. March 3, 2003. Retrieved July 23, 2021.
  11. ^"Bank's Profile". Thanachart Bank. Retrieved January 1, 2016.
  12. ^Pasternak, Sean (October 20, 2011). "Scotiabank Buys Colpatria in Biggest International Purchase". Bloomberg Markets. Retrieved October 22, 2011.
  13. ^"Scotiabank to buy ING Bank of Canada for $3.13 billion in cash". CTV News Channel. The Canadian Press. August 29, 2012.
  14. ^"ING completes sale of ING Direct Canada". Reuters. November 15, 2012. Archived from the original on September 24, 2015.
  15. ^Greenwood, John (October 23, 2013). "Electronic spying 'a big issue' for banks, Scotia CEO Waugh says". Financial Post.
  16. ^Swanson, Lynne. "Dual Canadian-American citizens: We are not tax cheats". Financial Post. Retrieved August 18, 2017.
  17. ^"Scotiabank expands in Central America" (Press release). Scotiabank. July 14, 2015.
  18. ^Kiladze, Tim (March 21, 2016). "Former Bank of Nova Scotia head Cedric Ritchie dies at 88". The Globe and Mail. Retrieved August 18, 2017.
  19. ^"Scotiabank completes acquisition of majority stake in BBVA Chile". NS Banking. July 9, 2018. Retrieved July 30, 2020.
  20. ^"Allanan Scotiabank por caso de Alejandro Toledo". Retrieved May 17, 2019.
  21. ^"No Love for the Globe". Brand New. UnderConsideration. Retrieved February 19, 2020.
  22. ^Sawyer, Deborah C. (November 16, 2016). "Bank of Nova Scotia". The Canadian Encyclopedia. Historica Canada. Retrieved August 18, 2017.
  23. ^ abScotiabank Mexico
  24. ^"Corporate Profile". Scotiabank. Retrieved October 1, 2013.
  25. ^"Annual Reports". Scotiabank.
  26. ^"Races". Canada Running Series. Retrieved August 18, 2017.
  27. ^"Article 46(2) of the Collective Labour Agreement acknowledges that there will be strikes". Stabroek News. Guyana. January 6, 2010. Retrieved August 18, 2017.
  28. ^"Scotiabank Kiddy Cricket in Trinidad and Tobago". tt.scotiabank.com. Scotiabank Trinidad and Tobago.
  29. ^"Scotiabank Kiddy Cricket - The Dream". youtube.com. Scotiabank Caribbean. April 23, 2015.
  30. ^"Scotiabank and NHL announce partnership renewal" (Press release). NHL. January 28, 2012. Retrieved August 18, 2017.
  31. ^Bundale, Brett (June 25, 2014). "Scotiabank wins naming rights for Halifax Metro Centre". The Chronicle Herald. Halifax. Retrieved August 18, 2017.
  32. ^"Rebranded Scotiabank Centre Opens" (Press release). Halifax Regional Municipality. May 19, 2014.
  33. ^Hornby, Lance (August 29, 2017). "Air Canada Centre to be renamed Scotiabank Arena". Toronto Sun. Retrieved May 19, 2018.
  34. ^Wallace, Lisa (June 18, 2013). "Scotiabank Place becomes Canadian Tire Centre". Global News. The Canadian Press. Retrieved August 18, 2017.
  35. ^"Prize History". Scotiabank Giller Prize. Retrieved August 18, 2017.
  36. ^ abKrashinsky, Susan (October 14, 2015). "Scotiabank drops support for three more Toronto events". The Globe and Mail. Retrieved August 18, 2017.
  37. ^"Cineplex and Scotiabank Announce 10-Year Extension of Cibo fort myers Loyalty Program" (Press release). Scotiabank and Cineplex. November 6, 2015. Retrieved August 18, 2017.
  38. ^"Scotiabank Hall". Brock University. Retrieved August 18, 2017.
  39. ^"2003 Public Accountability Statement". Retrieved August 18, 2017.
  40. ^"Scotiabank funds environment-related scholarships and international development work" (Press release). University of Waterloo. May 25, 2011. Retrieved August 18, 2017.
  41. ^"International Banking". Scotiabank. Archived from the original on February 15, 2017. Retrieved August 18, 2017.
  42. ^Giarraputo, Joseph. "World's Best Emerging Market Banks 2011 in Latin America". Global Finance. Retrieved August 18, 2017.
  43. ^"The Banker Awards 2012 - Global and regional winners". TheBanker. November 29, 2012. Retrieved August 18, 2017.
  44. ^"Scotiabank Trinidad and Tobago Named Bank of the Year 2013" (Press release). Scotiabank. November 29, 2013. Retrieved August 18, 2017.
  45. ^"World's Best Emerging Markets Banks in Latin America 2014". Global Finance. March 18, 2014. Retrieved August 18, 2017.
  46. ^ abCulbert, Andrew (October 18, 2013). "The Murder and the Money Trail". The Fifth Estate. CBC. Retrieved August 18, 2017.
  47. ^Sisler, Julia (October 19, 2013). "Scotiabank manager's death probe reveals multimillion-dollar fraud". CBC News. Retrieved August 18, 2017.
  48. ^Stewart, Art (November 11, 2013). "Murder of Bank Manager Tied to Fraud". Internal Auditor. Retrieved August 18, 2017.
  49. ^Acharya-Tom Yew, Madhavi (August 12, 2014). first national bank of scotia online court approves settlement deal for unpaid overtime at Scotiabank". Toronto Star. Retrieved August 18, 2017.
  50. ^Maurino, Romina (July 24, 2014). "Scotiabank agrees to settle in overtime lawsuit". CTV News. The Canadian Press.
  51. ^Critchley, Barry (July 13, 2005). "In defence of David Berry". National Post. Retrieved August 18, 2017.
  52. ^ abFinkle, Derek (June 1, 2008). "The Trader's Revenge". Toronto Life.
  53. ^Critchley, Barry (October 19, 2012). "Scotiabank explored fallout of cutting star trader's $15M pay months before he was fired, documents suggest". Financial Post.
  54. ^"In the matter of David Berry – Discipline Decision"(PDF) (Press release). IIROC. January 17, 2013.
  55. ^Critchley, Barry (January 16, 2013). "Former top Scotiabank trader cleared of allegations that led to his $100M wrongful dismissal lawsuit". Financial Post. Retrieved August 18, 2017.
  56. ^Critchley, Barry (November 6, 2013). "Could Scotiabank's $55-million legal charge be linked to dismissed trader Dave Berry's lawsuit?". Financial Post. Retrieved August 18, 2017.
  57. ^"Automated Banking Machine (ABM)". Scotiabank. Archived from the original on May 7, 2010. Retrieved August 18, 2017.
  58. ^"MultiLink Debit Network". J.E.T.S Ltd. July 25, 2004. Archived from the original on June 20, 2013.CS1 maint: unfit URL (link)

Further reading[edit]

  • Bank of Nova Scotia. 1932. The Bank of Nova Scotia, 1832–1932. Halifax: Bank of Nova Scotia.
  • The Scotiabank Story: A History of the Bank of Nova Scotia, 1832–1982. by Joseph Schull

External links[edit]

Wikimedia Commons has media related to Scotiabank.
Источник: https://en.wikipedia.org/wiki/Scotiabank

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Take care of all your financial tasks from home or on the go. We know who you are and we are committed to you. With Spirit of America Federal Credit Union’s easy online banking services, you can manage your money from any computer in the world quickly and securely. COVID-19 FAQs. CPCUi- 24/7 Online Account Access.branch banks or credit unions) 10 – Strongly agree. Wishlist. Add 1% APR for used and refinanced vehicles with over 75,000 miles. It’s easy to access, even when you are away from San Diego. Instead, please contact us directly at 1-888-NASA-FCU, send us a secure message through eBranch Online Banking or Mobile Banking, or visit your nearest branch. 53 Million and providing banking services to more than 12,000 members. 9am – 5pm; Located in the Terra Nova Shopping Center. Apart from that, if your password becomes expired, you cannot change it from the app. Because of soaring taxpayer id theft, it really is a sensible tip for anyone to register easily. • Transfers: share to share, share to loan, t… myCB. Statements and Documents FAQs. Eligibility and membership in NASA Federal Credit Union required. these links are provided only as a convenience. Eliminates postal delays—including lost or stolen mail. MyCB helps student users prepare for the future with academic, financial and career development resources. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. ‎Easily manage your banking with the Novo CU Mobile App. Rates are based on evaluation of credit history. Confidential information such as account numbers and social security numbers should not be sent by email for security reasons. nymcu. To report your Debit card lost or stolen: (866) 541-2711. Pictured here are our founders. CREDIT UNION CENTRAL OF NOVA SCOTIA EAST COAST CREDIT UNION Branch Port Hood, NS B0E 2W0: Routing Number (EFT): 000123981 Transit Number: 23981 Financial Institution No. e. I/we understand that by establishing a Payable on Death account under the provisions of North Carolina General Statute 54-109. Open an account. fraud abuse control information system. Please do not send any personal or account information, such as member number or social security number. . National Credit Union Administration, a U. Platinum MasterCard Intro APR* as low as 1. Open 24 hours a day, 7 days a week. 877-738-2398. Message and data rates may apply. S. Use the free BillPayer service to set up payees and manage all your bills online. *APRs are based on a $200,000 loan and 60% loan-to-value. Contact. Welcome to CastleBranch! When you place your order, you receive a myCB account. Budget and manage money in one centralized place through FinanceWorks ACCOUNT DESIGNATIONS Payable on Death Account. 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Any special instructions. the privacy and security policies of external websites will differ from those of santa rosa county federal credit union. fingerprinting. we provide links to third party partners, independent from santa rosa county federal credit union. 5435 N US 1, Melbourne, FL 32940. 2 Account opening is subject to approval. From out-of-province visitors on the search for the perfect seafood chowder to local road-trippers off to explore Nova Scotia’s wine country, we are honoured to have helped shape culinary adventures since 1989 – and to continue doing so with our mobile app! Instead, please contact us directly at 1-888-NASA-FCU, send us a secure message through eBranch Online Banking or Mobile Banking, or visit your nearest branch. Castaway Marine. Our goal is exceptional service – every member, every time. Use this no-cost, secure online account service to do almost anything you can do in person: Check account, loan, or credit card balances. 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This App combines the benefits of Online Banking with the power of mobile app technology, providing quick access to account information. Make a payment. Securities, investment advisory, commodity credit reports. For screen reader users, pausing the slider will allow the slides to be announced simply when you use the carousel navigation buttons. Rates are subject to change without prior notice. Sharing the advantages of Nova on with your family is a wonderful way to showcase the many benefi ts of working for 3M. 58 that: (1) the Credit Union may pay the money in the account to, or on the order of, any person named in the account unless we have directed that withdrawals require more than one signature; and (2) if we elect to create the right Mailing Address: 3601 Mulberry Church RdCharlotte, North Carolina 28208: Phone: 704-392-3418 we provide links to third party partners, independent from santa rosa county federal credit union. Or search for Nova CU mobile eBranch in the app store. 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Whether you want to open a new account, access No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. I often feel stressed about managing my money. org Vantage West Credit Union does not provide, and is not responsible for the product, service, or overall website content available at a third party site. 321-951-9595. : 002 MICR Code: 52183-002: Bank of Nova Scotia Nova Scotia Central Retail Colln Uni Branch Halifax, NS B3J 3T4: Routing Number (EFT): 000292353 Transit Number: 92353 Financial Home Equity Line of Credit is a variable rate product but will not exceed 18% APR. From out-of-province visitors on the search for the perfect seafood chowder to local road-trippers off to explore Nova Scotia’s wine country, we are honoured to have helped shape culinary adventures since 1989 – and to continue doing so with our mobile app! 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Scotiabank

Canadian bank based in Toronto

The Bank of Nova Scotia (French: La Banque de Nouvelle-Écosse), operating as Scotiabank (French: Banque Scotia), is a Canadian multinational banking and financial services company headquartered in Toronto, Ontario. One of Canada's Big Five banks, it is the third largest Canadian bank by deposits and market capitalization. It serves more than 25 million customers around the world and offers a range of products and services including personal and commercial banking, wealth management, corporate and investment banking. With more than 92,001 employees and assets of CA$1,136 billion (according to 2020 annual report), Scotiabank trades on the Toronto (TSX: BNS) and New York (NYSE: BNS) exchanges.

Scotiabank was founded in 1832 in Halifax, Nova Scotia, where it was headquartered until relocating to Toronto in 1900.[3] Scotiabank has billed itself as "Canada's most international bank" due to its acquisitions primarily in Latin America and the Caribbean, and also in Europe and parts of Asia. Scotiabank is a member of the London Bullion Market Association and one of fifteen accredited institutions which participate in the London gold fixing.[4] From 1997 to 2019, this was conducted through its precious metals division ScotiaMocatta.[5]

Scotiabank is led by President and CEO Brian J. Porter.[6]

History[edit]

19th century[edit]

William Lawson, served as the first president of the Bank of Nova Scotia, from 1832 to 1837.

The bank was incorporated by the Legislative Assembly of Nova Scotia on March 30, 1832, in Halifax, Nova Scotia, with William Lawson serving as the first president.[7] Scotiabank was founded in Halifax, Nova Scotia, in 1832 under the name of The Bank of Nova Scotia. The bank intended to facilitate the trans-Atlantic trade of the time.[3] Later, in 1883, The Bank of Nova Scotia acquired the Union Bank of Prince Edward Island, although most of the bank's expansion efforts in the century took the form of branch openings.[8]

The bank launched its branch banking system by opening in Windsor, Nova Scotia. The expansion was limited to the Maritimes until 1882, when the bank moved west by opening a branch in Winnipeg, which later closed, but the bank continued to expand into the American Midwest. This included opening a branch in Minneapolis in 1885, which later transferred to Chicago in 1892. Following the collapse of the Commercial Bank of Newfoundland and Union Bank of Newfoundland on December 10, 1894, The Bank of Nova Scotia established on December 15, 1894, in Newfoundland.[7]

The bank opened a branch in Kingston, Jamaica in 1889 to facilitate the trading of sugar, rum, and fish. This was Scotiabank's first move into the Caribbean and historically the first branch of a Canadian bank to open outside of the United States or the United Kingdom.[3][8] In 1899, Scotiabank opened a branch in Boston, Massachusetts. By the end of the 19th century, the bank was represented in all of the Maritimes, Quebec, Ontario, and Manitoba. In 1900, the bank moved its headquarters to Toronto, Ontario.[9][8]

20th century[edit]

The bank continued to grow with the opening of new branches in the early 20th century. In 1906, the Bank of Nova Scotia opened a branch in Havana, Cuba, followed by a branch in New York City in the following year. In 1910, the bank opened a branch in San Juan, Puerto Rico. The bank also grew with the merger and acquisition of other banks, including the Bank of New Brunswick in 1913, and the Toronto-based Metropolitan Bank in 1914.[8] The acquisition of Metropolitan Bank made the Bank of Nova Scotia the fourth largest financial institution in Canada at that time.[8] In 1919, the bank amalgamated with the Bank of Ottawa.[8]

In 1919, the bank opened a branch in Fajardo, Puerto Rico. In the following year, the bank opened a branch in London, and another in Santo Domingo, Dominican Republic. The bank also saw growth in Cuba, with five branches in Havana, and one branch each in Camagüey, Cienfuegos, Manzanillo, and Santiago de Cuba by 1931.

During the mid 20th century, the bank grew not only in size but also in breadth of products and services. Progress was conditioned by changing consumer needs, legal changes, or acquisitions of external service providers. Major changes include:[8] Following the passage of the National Housing Act, the Bank of Nova Scotia created a mortgage department in 1954. Further changes to the Bank Act of 1954 in 1958 led to the bank introducing its consumer credit program.

The bank's branches in Cuba continued to operate until 1960, when the Government of Cuba nationalized all banks in Cuba, and the Bank of Nova Scotia withdrew its services from all eight branches. During the 1960s, the Bank of Nova Scotia became the first Canadian bank to appoint women as bank managers, with the first appointed on 11 September 1961.[7] In the next year, the bank expanded into Asia with the opening of a Representative Office in Japan.[8]

In 1975, the Bank of Nova Scotia adopted Scotiabank as its worldwide brand name. On 28 September 1978, Scotiabank and Canadian Union of Public Employees signed a collective agreement in Toronto, making Scotiabank the first Canadian bank to sign a collective agreement with a union.[7]

In 1986, Scotiabank created Scotia Securities to provide discount brokerage and security underwriting services. The late 1980s and 1990s saw the bank acquire several firms, including McLeod Young Weir Ltd brokerage firm in 1988, and Montreal Trustco Inc. in 1994. In 1997, the bank acquired National Trustco Inc. for C$1.25 billion. In the same year, Scotiabank acquired Banco Quilmes in Argentina.

21st century[edit]

In 2000, Scotiabank increased its stake in Mexican bank Grupo Financiero Inverlat to 55 percent. The Mexican bank was subsequently renamed to Grupo Financiero Scotiabank Inverlat.[8] Scotabank later acquired Inverlat banking house in 2003, taking over all of its branches and establishing a strong presence in the country.[10]

In 2002, Scotiabank shut its branches (formerly Banco Quilmes) in Argentina during the currency crisis and massive sovereign default. In the following year, Scotiabank's Guangzhou branch was awarded the first licence to a Canadian bank by the Chinese government to deal in Chinese currency.[7] In 2007, Scotiabank acquired a 24.98 per cent stake in Thanachart Bank, with that share later increasing to 48.99 per cent by December 2014. With the acquisition of Siam City Bank, Thanachart Bank is now the 6th largest bank (by assets) in Thailand with over 16,000 staff serving more than four million customers through 680 branches and 2,100 ATMs across the country.[11]

In 2010, the bank opened its first offices in Bogotá, Colombia. On October 20, 2011, Scotiabank acquired a 51% stake in Colpatria [es], Colombia's fifth largest bank and second largest issuer of credit cards, for $1 billion Canadian in cash and stock (10 million shares). It is the second largest foreign transaction ever by a Canadian financial company overseas, behind Royal Bank of Canada's purchase in Royal Bank of Trinidad and Tobago.[12]

A Tangerine"cafe" in Toronto. Tangerine is a subsidiary of Scotiabank that was acquired in 2012.

In 2012, Scotiabank entered into an agreement to acquire ING Direct Bank of Canada from ING Groep N.V. Two years later, Scotiabank would acquire ING Direct Bank of Canada for C$3.13 billion.[13] The sale completed on 15 November 2012,[14] and ING Bank of Canada was later renamed it Tangerine in April 2014.

As a result of the FATCA agreement between Canada and the United States, signed between the two countries in 2014, Scotiabank has also spent almost $100 million implementing a controversial system to report to the United States the account holdings of close to one million Canadians of American origin and their Canadian-born spouses. Scotiabank has been forced to implement this system in order to comply with FATCA. According to Financial Post, FATCA requires Canadian banks to provide information to the United States including total assets, account balances, account numbers, transactions, account numbers, and other personal identifying information, as well as assets held jointly with Canadian-born spouses and other family members.[15][16]

On 14 July 2015, Scotiabank announced that it would buy Citigroup's retail and commercial banking operations in Panama and Costa Rica. Terms of the transaction were not disclosed. The purchase would increase Scotiabank's client base in both countries from 137,000 to 387,000, and would add 27 branches to the existing 51 branches in both Central American nations.[17]

Scotiabank's former President, CEO and Chairman Cedric Ritchie died on March 20, 2016. He was a President of Scotiabank from 1972, and CEO and Chairman from 1974 to 1995. Under his leadership, Scotiabank expanded into more than 40 countries and grew to 33,000 employees.[18]

In 2018, Scotiabank acquired Montreal investment firm Jarislowsky Fraser, also in 2018 Scotiabank completed the acquisition of a 68.19% stake in BBVA Chile for C$2.9 billion, as a result BBVA Chile was merged into Scotiabank Chile.[19] On 21 February 2019, the Prosecutor in the Central American country of Costa Rica raided Scotiabank's offices in San José, Costa Rica, claiming that the bank had failed to provide the government with information on accounts and deposits that could allegedly implicate Alejandro Toledo, the former president of Peru, in money laundering.[20] Later that year, in June 2019 it was announced that OFG Bancorp would acquire all branches of Scotiabank within Puerto Rico and The United States Virgin Islands territories as part of a $550M cash deal.

In 2019, Scotiabank underwent a rebranding, modifying its wordmark logo and introducing a new corporate font based on its design, downplaying the company's S and globe monogram, and increasing use of the abbreviated name "Scotia".[21]

Acquisitions and mergers[edit]

The bank has amalgamated with several other Canadian financial institutions through the years and purchased several other banks overseas.[3][22] Most have been rebranded since their acquisition, although a few continue to utilize their former names. Several branches of the former Montreal Trust and National Trust were rebranded Scotiabank & Trust, and continue to operate as such.

Operating units[edit]

Scotiabank has four business lines:[24]

  • Canadian Banking provides financial advice and banking to personal and business customers across Canada. Scotiabank also provides an alternative self-directed banking method through Tangerine Bank.
  • International Banking provides financial products and advice to retail and commercial customers in select regions outside of Canada, supplemented by additional products and services offered by Global Banking & Markets and Global Wealth & Insurance.
  • Global Wealth & Insurance (GWI) combines the Bank's wealth management and insurance operations in Canada and internationally, and Global Transaction Banking. GWI is diversified across geographies and product lines.
  • Global Banking & Markets, Scotiabank's wholesale banking and capital markets arm, offers various products and services to corporate, government and institutional investor clients globally.
Year200120022003200420052006200720082009201020112012201320142015201620172018
Revenues, bln $10.36510.72710.26110.29510.72611.20812.49011.87614.45715.50517.31019.64621.29923.60424.04926.35027.15528.775
Net income, bln $2.0771.7082.4222.9083.2093.5794.0453.1403.5474.2395.3306.3906.6107.2987.2137.3688.2438.724
Assets, bln $284.4296.4285.9279.2314.0379.0411.5507.6496.5526.7594.4668.2743.6805.7856.5896.3915.3998.5
Employees46,80444,63343,98643,92846,63154,19958,11369,04967,80270,77275,36281,49786,69086,93289,21488,90188,64597,629
Branches200518471850187119592191233126722686278429263123333032883177311330033,095
AgencyRating
DBRSAAStable
FitchAA-Stable
Moody'sAa2Stable
Standard & Poor'sA+Stable

Branch and office locations[edit]

Canadian[edit]

A Scotiabank branch next to a public library in Victoria, Canada.

Scotiabank operates branches in all Canadian provinces and territories, except for Nunavut.

Global[edit]

A Scotiabank branch in Holetown, Barbados.

[edit]

Sports[edit]

Scotiabank is the title sponsor for a number of sports events including the Calgary Marathon, the CONCACAF Champions League tournament (since 2015), and the Jewish National Fund's "Pitch for Israel" event. Scotiabank is also the title sponsor for running events that form a part of the Canada Running Series. They include Banque Scotia 21k de Montreal + 10k & 5k in April; Scotiabank Vancouver Half-Marathon & 5k Run/Walk in June; Scotiabank Toronto Waterfront Marathon, Half-Marathon & 5k in October; and the Scotiabank Bluenose Marathon.[26] Since 2005, Scotiabank has also been the title sponsor of the CFL playoffs semi-final and conference final games, with games titled as the Scotiabank East Semi-finals and Scotiabank West Semi-finals. This is in addition to being the official financial services provider to the Canadian Football League. Scotiabank was also a primary sponsor for Champion Boxer Miguel Cotto during his 2009 bout with Manny Pacquiao.

Other sporting events Scotiabank has sponsored includes the 2007 Cricket World Cup, during which it was awarded the title as the official bank of the tournament by the International Cricket Council. During the event, several stadia and venues across the Caribbean (and Guyana in South America) are to become outfitted with Scotiabank automated banking machines.[27] In 2010, Scotiabank was a sponsor of the World Rally Championship's Corona Rally Mexico. Since 2008, Scotiabank has been the official team sponsor of Canadian Cricket Team and the title sponsor of National T20 Championship in Canada. Scotiabank is also the official bank of the West Indies Cricket Team.[28][29]

Scotiabank also sponsors sports leagues and teams, becoming a sponsor for Club Deportivo Guadalajara in 2013; and becoming the official sponsor for the Chilean Primera División after signing a five-year period contract in 2014. Scotiabank is also the official bank of the National Hockey League and National Hockey League Players' Association.[30] Scotiabank also sponsors the Little NHL (native hockey league) and several girls' hockey festivals across Canada. In October 2007, Scotiabank became a sponsor of the Hockey Night in Canada broadcast by Canadian Broadcasting Corporation/Sportsnet and the title sponsor for its pregame show, Scotiabank Hockey Tonight. Other sports broadcasts sponsored by Scotiabank includes CTV Television Network's and TSN's coverage of Premier LeagueSoccer and the FA Cup Final, since 2013.

In addition to sporting broadcasts and events, Scotiabank is also the title sponsor for a number of athletic facilities. They include the Scotiabank Aquatics Center in Guadalajara; Scotiabank Saddledome in Calgary (since 8 October 2010); and the Scotiabank Centre in Halifax (since 25 June 2014). The naming rights for the Scotiabank Centre was signed for ten years, with annual fees of $650,000 for said rights.[31] The facility official opened its doors as the rebranded Scotiabank Centre on September 19, 2014.[32] On 29 August 2017, Scotiabank and Maple Leaf Sports & Entertainment, announced that Scotiabank purchased the naming rights to the Air Canada Centre for $800 million. The multi-sport complex was renamed 1 July 2018 as Scotiabank Arena.[33] From 2006 through 2013, Scotiabank held the naming rights to the arena of the Ottawa Senators, branding it Scotiabank Place. Canadian Tire took over the naming rights for the Senators' arena in June 2013.[34]

Culture[edit]

Scotiabank has been a title sponsor for a number of cultural events and institutions in Canada. In 2005, Scotiabank became title sponsor of the Giller Prize.[35] From 2006 to 2015, Scotiabank was the title sponsor for the Nuit Blanche event in Toronto.[36] In 2008, Scotiabank announced a two-year sponsorship of Toronto's Caribana which would be rebranded as Scotiabank Caribbean Carnival Toronto. The sponsorship of the Caribbean festival was extended until 2015, when the partnership with the festival ended.[36] In 2016 Scotiabank held its first hackathon with the goal of solving Canadian debt.

Scotiabank and Canadian theatre operator, Cineplex Entertainment, partnered together in 2007 to create a loyalty rewards program called Scene. The program allows patrons to sign-up for a special card that grants them points which can be redeemed for free movies or concession discounts. Scotiabank customers can also request a Scene debit card which gives them points when used. The bank launched a Scene Visa credit card in early May. Five Cineplex Entertainment locations were also rebranded as "Scotiabank Theatres." In 2015, the two companies announced they extended the partnership through 31 October 2025 and would expand naming rebrand another five theatres as Scotiabank Theatres.[37]

Scotiabank is also the title sponsor for two post-secondary facilities in Canada, including Scotiabank Hall at Brock University in St. Catharines;[38] and Scotiabank Hall in the Marion McCain Arts and Social Sciences Building at Dalhousie University in Halifax.[39] Scotiabank has also established an industry partnership with the University of Waterloo Stratford Campus.[40]

Awards[edit]

  • 2005 – "Bank of the Year" – For Mexico, the Caribbean and in Jamaica by LatinFinance.[41]
  • 2007 – "Bank of the Year" The Banker – London England, Scotiabank Trinidad and Tobago, Scotiabank Belize, Scotiabank Turks and Caicos
  • 2008 – "Bank of the Year" The Banker - London England, Scotiabank Barbados, Scotiabank Trinidad and Tobago, Scotiabank Guyana, Scotiabank Turks and Caicos
  • 2009 – "Bank of the Year" The Banker – London England, Scotiabank Canada, Scotiabank Barbados, Scotiabank Dominican Republic, Scotiabank Trinidad and Tobago, Scotiabank Turks and Caicos
  • 2010 – "Bank of the Year" The Banker – London England, Scotiabank Barbados, Scotiabank Trinidad and Tobago, Scotiabank Turks and Caicos
  • 2011 – "Best Emerging Market Bank" Global Finance Magazine – New York, Scotiabank Jamaica, Scotiabank Barbados, Scotiabank Costa Rica, Scotiabank Turks and Caicos.[42]
  • 2012 - "Global Bank of the Year" The Banker "Bank of the Year" for the Americas, Antigua, Barbados, Belize, British Virgin Islands, Canada and Turks and Caicos.[43]
  • 2013 - "Bank of the Year" in British Virgin Islands, Canada, Guyana, Jamaica and Trinidad and Tobago by The Banker.[44]
  • 2014 – "Best Emerging Market Bank in Latin America" Global Finance Magazine in Jamaica, Barbados, Trinidad & Tobago, Turks and Caicos and U.S. Virgin Islands.[45]

Controversies[edit]

Fraud in Mexico[edit]

A 2001 investigation into the murder of Maru Oropesa, a Scotiabank branch manager in Mexico City revealed US$14 million missing from the branch. Initially, investigators found that Oropesa and Jaime Ross, her former boss, had illegally transferred US$5 million from client investment accounts. The money was eventually transferred to the United States where it was used to purchase three aircraft. As the investigation continued, officials found an additional $9 million missing and involvement of 16 other bank employees in the fraud.[46][47] Ross was convicted of fraud and money laundering for his role and sentenced to 15 years.[48] Scotiabank terminated the other 16 employees, but did not prosecute them.[46]

Unpaid overtime lawsuit[edit]

In 2014, the bank reached a settlement in a class-action lawsuit that covered thousands of workers owed more than a decade of unpaid overtime. The lawsuit included 16,000 Scotiabank employees across Canada who worked as personal banking officers, senior personal banking officers, financial advisors, and small business account managers from January 1, 2000, to December 1, 2013. The 2007 lawsuit was similar to a class-action filed by Canadian Imperial Bank of Commerce (CIBC) bank teller Dara Fresco of Toronto.

Under terms of the settlement, employees received 1.5 times their standard wage at the time, but no interest. Scotiabank also paid legal fees of $10.45 million.[49][50]

Wrongful dismissal lawsuit[edit]

In June 2005, David Berry, a very successful Canadian Scotiabank trader who had built a $75M/year business in trading preferred shares, was fired on the grounds that he had committed securities regulatory violations.[51] At the time, as part of a 20 per cent direct drive deal, he was making more than double the CEO's salary and Scotiabank management had already taken steps to limit his compensation.[52] The regulatory violation allegations from his former employer, left him unemployable to Scotiabank's competitors despite the appeal of potentially adding more than $75M/year to their equity trading profits.[52]

Documents delivered to the media showing that Scotiabank management had sought advice on terminating Berry prior to the Investment Industry Regulatory Organization of Canada (IIROC) violation accusation, and the results of questioning during the IIROC inquiries strongly suggest that the securities charges were part of a plan by Scotiabank senior management to remove Berry from his position and simultaneously prevent him from becoming their competitor.[53]

In a ruling on January 15, 2013, more than seven years after the initial accusation, a hearing panel of the IIROC dismissed all charges against Berry.[54][55]

David Berry filed a $100M wrongful dismissal lawsuit against Scotiabank. As of January 2015, and nine years after Berry was terminated, Scotiabank settled with Berry for an undisclosed amount. Barry Critchley, who followed the story since its beginning, wrote an article on November 6, 2014, in which he believes Scotiabank's $55 million reported legal charges would likely be connected to the $100 million lawsuit; but it is unlikely to ever be known.[56]

Membership[edit]

Scotiabank is a member of the Canadian Bankers Association (CBA) and registered member with the Canada Deposit Insurance Corporation (CDIC), a federal agency insuring deposits at all of Canada's chartered banks. It is also a member of the Global ATM Alliance, a joint venture of several major international banks that allows customers of the banks to use their ATM cards or check cards at certain other banks within the Global ATM Alliance without fees when traveling internationally. Other participating banks are Barclays (United Kingdom), Bank of America (United States), BNP Paribas (France and Ukraine through UkrSibbank), Deutsche Bank (Germany), and Westpac (Australia and New Zealand).[57] Other international associations the bank is a member of includes:

See also[edit]

References[edit]

  1. ^"Mail Us". Scotiabank. Retrieved December 4, 2010.
  2. ^ abcdef"2020 Annual Report".
  3. ^ abcd"The Scotiabank Story". Scotiabank. 2010. Retrieved October 13, 2013.
  4. ^"The London Gold Fix". Bullionvault Ltd. 2016. Retrieved February 15, 2016.
  5. ^"Scotiabank Drops 348-Year-Old Mocatta Name in Metals Unit Revamp". Bloomberg. 2019. Retrieved September 19, 2019.
  6. ^Touryalai, Halah (February 12, 2014). "Largest 100 banks in the world". Forbes. Retrieved August 18, 2017.
  7. ^ abcdePound, Richard W. (2005). Fitzhenry and Whiteside Book of Canadian Facts and Dates. Fitzhenry and Whiteside. ISBN .
  8. ^ abcdefghi"The Bank of Nova Scotia History". Funding Universe. Retrieved August 18, 2017.
  9. ^"Scotiabank". Toronto Star. May 3, 1904. p. 12. Retrieved August 18, 2017.
  10. ^"Scotiabank confirms offer for Mexican bank shares". Investment Executive. March 3, 2003. Retrieved July 23, 2021.
  11. ^"Bank's Profile". Thanachart Bank. Retrieved January 1, 2016.
  12. ^Pasternak, Sean (October 20, 2011). "Scotiabank Buys Colpatria in Biggest International Purchase". Bloomberg Markets. Retrieved October 22, 2011.
  13. ^"Scotiabank to buy ING Bank of Canada for $3.13 billion in cash". CTV News Channel. The Canadian Press. August 29, 2012.
  14. ^"ING completes sale of ING Direct Canada". Reuters. November 15, 2012. Archived from the original on September 24, 2015.
  15. ^Greenwood, John (October 23, 2013). "Electronic spying 'a big issue' for banks, Scotia CEO Waugh says". Financial Post.
  16. ^Swanson, Lynne. "Dual Canadian-American citizens: We are not tax cheats". Financial Post. Retrieved August 18, 2017.
  17. ^"Scotiabank expands in Central America" (Press release). Scotiabank. July 14, 2015.
  18. ^Kiladze, Tim (March 21, 2016). "Former Bank of Nova Scotia head Cedric Ritchie dies at 88". The Globe and Mail. Retrieved August 18, 2017.
  19. ^"Scotiabank completes acquisition of majority stake in BBVA Chile". NS Banking. July 9, 2018. Retrieved July 30, 2020.
  20. ^"Allanan Scotiabank por caso de Alejandro Toledo". Retrieved May 17, 2019.
  21. ^"No Love for the Globe". Brand New. UnderConsideration. Retrieved February 19, 2020.
  22. ^Sawyer, Deborah C. (November 16, 2016). "Bank of Nova Scotia". The Canadian Encyclopedia. Historica Canada. Retrieved August 18, 2017.
  23. ^ abScotiabank Mexico
  24. ^"Corporate Profile". Scotiabank. Retrieved October 1, 2013.
  25. ^"Annual Reports". Scotiabank.
  26. ^"Races". Canada Running Series. Retrieved August 18, 2017.
  27. ^"Article 46(2) of the Collective Labour Agreement acknowledges that there will be strikes". Stabroek News. Guyana. January 6, 2010. Retrieved August 18, 2017.
  28. ^"Scotiabank Kiddy Cricket in Trinidad and Tobago". tt.scotiabank.com. Scotiabank Trinidad and Tobago.
  29. ^"Scotiabank Kiddy Cricket - The Dream". youtube.com. Scotiabank Caribbean. April 23, 2015.
  30. ^"Scotiabank and NHL announce partnership renewal" (Press release). NHL. January 28, 2012. Retrieved August 18, 2017.
  31. ^Bundale, Brett (June 25, 2014). "Scotiabank wins naming rights for Halifax Metro Centre". The Chronicle Herald. Halifax. Retrieved August 18, 2017.
  32. ^"Rebranded Scotiabank Centre Opens" (Press release). Halifax Regional Municipality. May 19, 2014.
  33. ^Hornby, Lance (August 29, 2017). "Air Canada Centre to be renamed Scotiabank Arena". Toronto Sun. Retrieved May 19, 2018.
  34. ^Wallace, Lisa (June 18, 2013). "Scotiabank Place becomes Canadian Tire Centre". Global News. The Canadian Press. Retrieved August 18, 2017.
  35. ^"Prize History". Scotiabank Giller Prize. Retrieved August 18, 2017.
  36. ^ abKrashinsky, Susan (October 14, 2015). "Scotiabank drops support for three more Toronto events". The Globe and Mail. Retrieved August 18, 2017.
  37. ^"Cineplex and Scotiabank Announce 10-Year Extension of SCENE Loyalty Program" (Press release). Scotiabank and Cineplex. November 6, 2015. Retrieved August 18, 2017.
  38. ^"Scotiabank Hall". Brock University. Retrieved August 18, 2017.
  39. ^"2003 Public Accountability Statement". Retrieved August 18, 2017.
  40. ^"Scotiabank funds environment-related scholarships and international development work" (Press release). University of Waterloo. May 25, 2011. Retrieved August 18, 2017.
  41. ^"International Banking". Scotiabank. Archived from the original on February 15, 2017. Retrieved August 18, 2017.
  42. ^Giarraputo, Joseph. "World's Best Emerging Market Banks 2011 in Latin America". Global Finance. Retrieved August 18, 2017.
  43. ^"The Banker Awards 2012 - Global and regional winners". TheBanker. November 29, 2012. Retrieved August 18, 2017.
  44. ^"Scotiabank Trinidad and Tobago Named Bank of the Year 2013" (Press release). Scotiabank. November 29, 2013. Retrieved August 18, 2017.
  45. ^"World's Best Emerging Markets Banks in Latin America 2014". Global Finance. March 18, 2014. Retrieved August 18, 2017.
  46. ^ abCulbert, Andrew (October 18, 2013). "The Murder and the Money Trail". The Fifth Estate. CBC. Retrieved August 18, 2017.
  47. ^Sisler, Julia (October 19, 2013). "Scotiabank manager's death probe reveals multimillion-dollar fraud". CBC News. Retrieved August 18, 2017.
  48. ^Stewart, Art (November 11, 2013). "Murder of Bank Manager Tied to Fraud". Internal Auditor. Retrieved August 18, 2017.
  49. ^Acharya-Tom Yew, Madhavi (August 12, 2014). "Ontario court approves settlement deal for unpaid overtime at Scotiabank". Toronto Star. Retrieved August 18, 2017.
  50. ^Maurino, Romina (July 24, 2014). "Scotiabank agrees to settle in overtime lawsuit". CTV News. The Canadian Press.
  51. ^Critchley, Barry (July 13, 2005). "In defence of David Berry". National Post. Retrieved August 18, 2017.
  52. ^ abFinkle, Derek (June 1, 2008). "The Trader's Revenge". Toronto Life.
  53. ^Critchley, Barry (October 19, 2012). "Scotiabank explored fallout of cutting star trader's $15M pay months before he was fired, documents suggest". Financial Post.
  54. ^"In the matter of David Berry – Discipline Decision"(PDF) (Press release). IIROC. January 17, 2013.
  55. ^Critchley, Barry (January 16, 2013). "Former top Scotiabank trader cleared of allegations that led to his $100M wrongful dismissal lawsuit". Financial Post. Retrieved August 18, 2017.
  56. ^Critchley, Barry (November 6, 2013). "Could Scotiabank's $55-million legal charge be linked to dismissed trader Dave Berry's lawsuit?". Financial Post. Retrieved August 18, 2017.
  57. ^"Automated Banking Machine (ABM)". Scotiabank. Archived from the original on May 7, 2010. Retrieved August 18, 2017.
  58. ^"MultiLink Debit Network". J.E.T.S Ltd. July 25, 2004. Archived from the original on June 20, 2013.CS1 maint: unfit URL (link)

Further reading[edit]

  • Bank of Nova Scotia. 1932. The Bank of Nova Scotia, 1832–1932. Halifax: Bank of Nova Scotia.
  • The Scotiabank Story: A History of the Bank of Nova Scotia, 1832–1982. by Joseph Schull

External links[edit]

Wikimedia Commons has media related to Scotiabank.
Источник: https://en.wikipedia.org/wiki/Scotiabank

Peace of Mind. One of the many perks of doing business with National.

Notice of Meeting

Notice is hereby given that the FIFTY-FIRST ANNUAL GENERAL MEETING OF ST. KITTS-NEVIS-ANGUILLA NATIONAL BANK LIMITED will be held at the St. Kitts Marriott Beach Resort, Frigate Bay on Thursday 16th December at 5:00 p.m.

Please click here for further details.

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Press Release - October 2021

St. Kitts-Nevis-Anguilla National Bank Ltd (National Bank) has announced that it has signed an agreement to acquire the banking operations of CIBC FirstCaribbean in St. Kitts & Nevis.

Please click here for further details.

Digital Competition

Welcome to National

St. Kitts-Nevis-Anguilla National Bank Limited is one of the premier financial institutions in the Eastern Caribbean Currency Union, and is known throughout the region for its commitment to innovation and exceptional customer service. Learn more about us.

Online

Online Banking

National Bank's Online Banking solution is flexible and easy to use. This service offers a wide range of services such as funds transfer, wire transfer and account history. Learn more.

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Mobile

Mobile Banking

Mobile Banking puts the Bank in the palm of your hands. Our solution is packed with features that will make your banking experience easier and more enjoyable. Learn more.

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Market

Cards

National Bank offers a comprehensive suite of cards to meet all your business and personal needs. Our suite is very versatile and includes debit, credit, prepaid and gift cards.

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Loans

Loans

National offers some of the most attractive loan rates in the Federation. Our friendly and reliable staff are eager to help you satisfy all your business and personal needs.

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Why Choose Us

St. Kitts-Nevis-Anguilla National has a dedicated team of service professionals that are committed to providing unparalleled customer service. At National, you are not just a customer...you are part of our family. Come in and see us today.

Purchasing property or a piece of land is a big investment. It is very important that you careful assess the potential real estate before making a purchase. At National our friendly and reliable staff will be happy to guide you through the process as part of the process of facilitating your financial needs.

Kindly click the link below to view the properties currently available for public auction.

View Properties

visa

As part of your Issuing Bank's customer protection commitment, the 3-D Secure service, offered through its partner Caribbean Credit Card Corporation, and in association with Visa and MasterCard, provides extra protection when you shop online at participating 3-D Secure merchants. This protection is similar to entering your PIN at an ATM, and allows you to add a personal password to your existing International Credit/Debit card.

All online transactions performed at participating 3D Secure enabled merchant websites will require you to enter a 6-digit OTP in order to complete the transaction. If the merchant is not 3D Secure enabled, you will not be required to enter the 6-digit OTP.

The steps involved in receiving the 6-digit OTP and completing online transactions are outlined below:

  1. Shop Online at any 3D Secure enabled online merchant site and checkout
  2. Enter the required card details as requested at checkout
  3. Select the delivery mode by which you wish to receive the OTP
  4. You will receive a 6-digit one-time password (OTP) on your mobile or email address registered with the Bank, depending on mode of delivery selected
  5. Enter the OTP in the authentication screen
  6. Transaction will be completed after successful verification
  7. After you have entered your OTP correctly, your Bank will authenticate all details and following successful verification, the transaction will be authorized

Frequently Asked Questions

At National we know that your time is precious. This is why we use every opportunity to make your banking experience as hassle-free and convenient as possible. Our exchange rates are updated on a daily basis to provide you with reliable and accurate information so that you can do your business with confidence. Please note that only the currencies listed in our rates schedule are accepted at National.

Fees

At National, we offer some of the most attractive rates in the Federation. Our friendly and reliable staff are always eager to help you satisfy all your business and personal needs. We know that your time is precious, and therefore we have provided a copy of our fee schedule to help you effectively plan your affairs in advance. To access the schedule of fees, simply click on the link below.

National Fee Schedule

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What our clients say

National understands our vision for our company and works with us to make our dream a reality. National is an excellent choice for small business owners.

Winston Gary & Oronda Farrell Sunny Blue Scooter Rentals

National Bank is the bank chosen for all my business needs. My Bankers are informative, patient and have provided sound advice and recommendations. In recent times, we began the use of the debit card payment facility at the salon.

Gwendolyn Harris G's Hair Salon

National Bank staff are always eager to give advice and provide guidance for my financial decisions. National cares about the small businessman. The service at National is the most efficient. I am not leaving National!

Stedroy Wilkinson Heavy Equipment Rental

What brought me to National was the friendly and professional service which they deliver. I was able to have my account opened in one day and card services by the following week.

Dario Figarolo Ciao Italian Restaurant
Источник: https://www.sknanb.com/

FAQs

Online Banking

Q: What is First National Bank's Online Banking?
A: FirstTeller is a FREE service to our customers! You can get free up-to-the-minute information about all of your accounts and view all account transactions including ATM and point of sale transactions. You can transfer funds between eligible accounts including making payments on loans or credit lines. You can download transaction information into money management software programs such as Microsoft Money™ (OFX) and Quicken™ (QIF).

All internal account transfers made after 5 p.m. will be posted on the following business day.

Q: What do I need to get started using First National Bank's Online Banking?
A: You need the following to get started with FirstTeller Online:

  • A personal computer
  • An active account with an Internet Service Provider (ISP)
  • Internet browser software with 128-bit security encryption
  • An account with First National Bank.

You can come by one of our locations and fill out an application. We will then assign you a User ID and temporary Password. This information will be sent to you by US Mail. The User ID and temporary Password will come in separate mailings.

Q: When I attempt to login to FirstTeller I receive the message "Invalid ID or PIN". What should I do?
A: If you are having trouble logging into the system or have forgotten your ID or PIN, please contact our Internet Banking Department during regular banking hours at (870) 886-5959 or 1-800-530-7561.

Q: Why does it say that my account is locked? and what do I do now?
A: Your account becomes locked after three unsuccessful login attempts. To get "unlocked", contact our Internet Banking department during normal business hours and they will be happy to unlock and reset your account for you.

Q: What if I forget my ID and PIN?
A: If you lose or forget your ID or PIN, you may contact our Internet Banking Department at (870) 886-5959 or 1-800-530-7561. After confirming your identity, we will be happy to assist you.

Q: What happens if I open an account after I start using FirstTeller Online Banking?
A: You will need to ask your New Accounts Representative to have your new account added.

Q: Why is my printout missing information on the right side?
A: Due to design issues, the normal "portrait" style of printing doesn't work correctly. To remedy this, we suggest that you print out your transactions in "Landscape" mode. To do this, please follow the following steps:

  • Select Print from the File drop down menu of your browser
  • Click on the Properties button
  • Select Landscape in the Orientation section
  • Click Ok
  • Click Ok

Q: What is a VTXTLR transaction?
A: VTXTLR is our way of indicating that a transaction was made by a teller. This could be either via the drive-up window or the inside tellers.

Bill Pay

Q: What is Bill Pay?
A: Bill Pay allows you to pay bills from a First National Bank checking account to any merchant whom you have selected in advance to receive payments by means of our Online Banking Bill Pay service. Currently, there is no charge for this service and you no longer have checks to write, no more stamps to buy and no more envelopes to seal.

Q: Who can I pay using Online Banking Bill Pay?
A: Anyone that you would write a check to or authorize through ACH transactions.

Q: How many days in advance should I schedule my payment?
A: You should allow time for your payments to process. For a payment made by check, you should allow approximately 10 business days. For an electronic payment, you should allow 3 business days.

Q: How do I know whether a payment will be made electronically or by check?
A: Our Bill Payment service determines which payments are made electronically or by check. When adding a payee, you should search the Electronic Payee database. If your payee is listed, your payment will be made electronically. If your payee is not listed, your payment will be made by check.

Q: When I pay a bill, when does the money come out of my account?
A: If the payee is in the Electronic Payee database, the funds come out of your account the day your payment is made. If the payee is paid by check, the funds will come from your account the day the check clears the bank ... just as if you'd written it from your checkbook.

Q: What is the Bill Payment cut-off time?
A: Payments made before 12:00 pm CST will be mailed the same day. Payments made after 12:00 pm CST will be mailed the next business day.

Q: Do I need to re-enter payee information each month?
A: Only if the payee information changes. The payee information will remain in Online Banking until you delete it. The only thing you'll have to change each month is the amount you want to pay and the date you want the bill paid.

Q: Who do I contact if I have a problem with Bill Pay?
A: Please contact our Internet Department at (870) 886-5959 or 1-800-530-7561 during regular business hours.

Q: What happens if I do not have enough money in my account to cover the bill payment I have set up?
A: If you request a payment for more than the balance in your account and the payment is to be made electronically, i.e. through the ACH network, in this case your payment will not be made. And, if you request a payment that will be paid by a check, the check will be written and the check will then be processed like any other check. However, when the check is processed by our bank and your account has insufficient funds to cover the check, then you will incur the same non-sufficient funds (NSF) charge for a check you may have written.

Q: Is there a charge for Bill Pay?
A: There is no charge for Bill Pay or Online Banking.

Источник: https://www.firstnb.bank/online-banking/faqs

Canada has one of the safest banking systems in the world.

The Royal Bank of Canada, TD Bank, Bank of Nova Scotia (Scotiabank), Bank of Montreal, and the Canadian Imperial Bank of Commerceall rank within the top-35 most stable banks in the world.

I often get questions about what the best bank in Canada for newcomers, students, seniors, or online banking is?

The short answer is that your choice of a bank depends on your financial needs and preferences. And, in many cases, you can also be well served through a credit union.

This post covers Canada’s largest banks, a list of the best online banks, what they offer, and how to choose the best bank for you.

The Biggest Banks in Canada

The five largest banks in Canada all date back to the 19th century and have branches and ATMs across the country.

They offer a full suite of financial services including chequing account, savings, investments, brokerage services, mutual funds, insurance, business banking, mortgage loans, and more.

Here’s a list of the Big Five banks:

  • RBC
  • TD Bank
  • Scotiabank
  • BMO
  • CIBC

Other Schedule I banks in Canada with significant asset sizes and market capitalization include the National Bank of Canada, Laurentian Bank of Canada, Equitable Bank, and the Canadian Western Bank.

RBCScotiabankTDBMOCIBCNational Bank
Year Founded 1864183218551817 18671859 
Market Cap^ $137,285M  $66,847M$113,311M $51,932M $45,703M $23,747M
Stock Symbol RYBNS TD BMO CM NA 
Head OfficeTorontoTorontoTorontoMontrealTorontoMontreal
Institution Number 003002 004  001 010006 
SWIFT CodeROYCCAT2NOSCCATTTDOMCATTTORBOFMCAM2CIBCCATTBNDCCAMMXXX
Branches 1,210 9531,091 900 1,024 422
ATMs 4,2003,600  2,800 2,200 3,075 939

^ Market Capitalization as of September 17, 2020.

1. Scotiabank

Operating under the legal name of Bank of Nova Scotia, Scotiabank is the third largest bank in Canada based on asset size and market capitalization.

Its personal banking channel offers various chequing, savings, and credit card options.

Scotiabank Chequing Accounts

Scotiabank offers 5 chequing accounts that are designed to cater to different needs.

Its most basic chequing account offers 12 free transactions every month. On the other end of the spectrum, you can opt for Scotiabank’s Ultimate Package chequing account and enjoy premium perks including:

  • Unlimited transactions (debits and Interac e-transfers)
  • Up to $139 fee waivers on a credit card
  • Unlimited free Global withdrawals (non-scotiabank ATMs)
  • Extra 0.10% on a MomentumPLUS Saving Account
  • Free personalised cheques and drafts
  • Free stocks trading on Scotia ITRADE, and several more

All Scotia Chequing Accounts offer rewards points on everyday purchases in the form of SCENE or Scotia Rewards. You can redeem your points for free movies, food, travel, and gift cards.

Scotia’s Ultimate Package and Preferred Package accounts offer up to a $350 cash bonus when you open an account.

Ultimate PackagePreferred PackageBasic PlusBasic AccountStudent Banking
Monthly fee$30.95$16.95$10.95$3.95$0 (must be enrolled FT at a post-secondary institution
Minimum balance to waive the monthly fee$5,000$4,000$3,000N/AN/A
# of debit transactionsUnlimitedUnlimited25/month12/monthUnlimited
# of eTransfersUnlimitedUnlimited10/month2/monthUnlimited
Senior’s discount-$4.00-$4.00-$4.00-$3.95N/A
Special features$350 welcome bonus; Earn Scotia Rewards or SCENE points; Up to $139 waived on credit card fees annually; 0.10% interest rate boost on savings; Unlimited free non-Scotiabank ATM withdrawals globally; No monthly overdraft protection fee; Up to 10 free equity trades on Scotia iTrade; Free personalized cheques and drafts$300 welcome bonus; Earn Scotia Rewards or SCENE points; Up to $139 waived on credit card fees (1st year only); 0.05% interest rate boost on savings; 1 free non-Scotiabank ATM withdrawal/month; International money transfer at $1.99Earn Scotia Rewards or SCENE points; International money transfer at $1.99Earn Scotia Rewards or SCENE pointsEarn Scotia Rewards or SCENE points; $60 welcome bonus
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Scotiabank Savings Account

Scotiabank has 5 savings accounts you can choose from including the:

  • MomentumPLUS Savings Account
  • Savings Accelerator Account
  • Money Master Savings Account
  • Scotia U.S. Dollar Daily Interest Account
  • Scotia Euro Daily Interest Account

The MomentumPLUS Savings Account is Scotiabank’s high interest savings account and offers a base rate of 0.05%.

Depending on how long you keep the funds untouched and whether you pair it with a premium chequing account, you can earn up to 0.75% on your savings.

Get more details about Scotiabank’s savings accounts.

Scotiabank Credit Card

Scotiabank has a long list of Visa, Mastercard, and American Express credit cards, including some of the best credit cards in Canada.

One of their credit cards worth noting here is the Scotia Passport Visa Infinite.

This premium card waves the FX markup on foreign currency purchases, offers a complimentary Priority Pass membership (includes 6 free visits), and complimentary travel insurance.

Learn more about the card here.

2. Royal Bank of Canada

The Royal Bank of Canada (RBC) is the largest bank in Canada.

RBC sponsors many cultural and sporting events including The Canadian Open, one of the oldest golf tournaments in the world.

RBC Chequing Accounts

RBC offers 4 main chequing accounts:

  • RBC Day to Day Banking
  • RBC No Limit Banking
  • RBC Signature No Limit Banking
  • RBC VIP Banking

Its most basic chequing account offers 12 free transactions per month. Its Premium VIP option comes with unlimited debits, Interac e-transfer, free drafts, discounts on safe deposit box rentals, and up to a $120 fee rebate on select credit cards.

All RBC chequing accounts offer a saving of 3 cents per litre of gas purchased at Petro-Canada. You can also earn 20% more Petro-Points when you link your RBC debit card.

RBC Savings Accounts

RBC has 4 savings accounts you can choose from, including the:

  • RBC High Interest eSavings
  • RBC Enhanced Savings
  • RBC Day to Day Savings
  • RBC U.S. High Interest eSavings

Both the CAD and USD RBC high-interest savings account currently offer a 0.05% interest rate.

You can turn on the NOMI Find & Save feature to automate transfers and increase your savings rate.

RBC Credit Cards

RBC offers credit cards in various categories including cash back, travel, low-interest, and no-annual fees.

Here’s a review of the best RBC student credit cards.

If you are looking for a robo-advisor service from a big bank, check out this RBC Investease review.

3. Bank of Montreal

Bank of Montreal is the fourth largest bank in Canada and the oldest, having been founded in 1817.

BMO Chequing Accounts

BMO has 5 chequing accounts ranging from an entry-level “Practical” account to a “Premium” chequing account.

The five accounts are:

  • Premium chequing Account
  • Performance chequing account
  • Plus chequing account
  • AIR MILES chequing account
  • Practical chequing account

BMO Premium chequing offers unlimited transactions, free non-BMO ATM withdrawals, a $150 annual fee rebate on the BMO World Elite Mastercard, and free identity theft protection.

Similar to the other big banks, Newcomers to Canada can save on fees for a period when they open an account through BMO’s NewStart Program.

BMO Savings Accounts

For your savings needs, BMO offers 4 savings accounts including:

  • BMO Smart Saver
  • BMO Savings Builder
  • BMO Premium Rate Savings
  • BMO U.S. Dollar Premium Rate

The Savings Builder is their high-interest savings account and offers a 0.05% bank rate plus 0.45% bonus interest when you increase your balance by at least $200 each month.

BMO Credit Cards

BMO has a credit card fitting to most of the categories you can think of, including cash back rewards, AIR Miles, travel, low-interest and no-fee cards.

Here are the best BMO credit cards for 2021.

The BMO CashBack Mastercard is one of the top credit cards for students and newcomers to Canada.

BMO was the first Big Five bank to offer a digital investment service. You can learn more about BMO Smartfolio.

4. Toronto-Dominion Bank

TD is the second-largest bank in Canada by market capitalization.

TD Bank also has a significant presence in the United States, making it one of the largest banks in North America.

TD Chequing Accounts

TD has 6 chequing accounts, including two that are specific for students and youths. The accounts are:

  • TD All-Inclusive Banking Plan
  • TD Every Day Chequing Account
  • TD Unlimited Chequing Account
  • TD Minimum Chequing Account
  • TD Student Chequing Account
  • TD Youth Account

Its All-Inclusive Banking is the most expensive and offers unlimited transactions, free non-TD ATM withdrawal, certified cheques, money orders, personalized cheques, and up to a $120 fee rebate on eligible TD credit cards.

TD Savings Accounts

The bank has 3 savings account packages including:

  • TD ePremium Savings
  • TD Every Day Savings
  • TD High Interest Savings account

The interest rates on these accounts range from 0.01% to 0.10%. TD’s youth bank account also pays a 0.01% interest rate on your balance.

TD Credit Cards

TD has credit cards offering cash back, Aeroplan Miles, low rates, no-annual-fee, and TD travel rewards.

Some of the ones we have reviewed are:

5. Canadian Imperial Bank of Commerce

CIBC is one of the biggest banks in Canada. It also operates in the U.S., Europe, and Asia.

CIBC Chequing Accounts

CIBC offers three main chequing accounts: CIBC Smart, Smart Plus, and Everyday chequing accounts.

The Everyday Chequing is its entry-level account and offers 12 free transactions per month.

The CIBC Smart Account is flexible and costs $6.95 to $16.95 depending on how many transactions you make during the month.

Lastly, the CIBC Smart Plus Account offers unlimited transactions, free non-CIBC ATM withdrawals, fee rebates on select credit cards, and more.

Here are more details about CIBC’s Chequing Account.

CIBC Savings Accounts

CIBC has 4 savings accounts including:

  • CIBC Bonus Savings Account
  • CIBC eAdvantage Savings Account
  • CIBC Premium Growth Account
  • CIBC US$ Personal Account

The eAdvantage savings account has CIBC’s highest interest rate at 0.05%.

Related: Best U.S. Dollar Business Savings Accounts

CIBC Credit Cards

CIBC has 21 Visa credit cards you can choose from, including the popular CIBC Aventura Visa Infinite.

You can also check out the AC Conversion Visa prepaid if you are looking to save on currency exchange fees.

6. National Bank of Canada

National Bank is the sixth-largest bank in Canada (Big Six) and has its headquarters in Montreal.

National Bank Chequing Accounts

National Bank has 4 chequing accounts including:

  • The Minimalist
  • The Modest
  • The Connected, and
  • The Total account packages

The Total chequing account offers unlimited transactions, free cheques (100/year), overdraft protection, up to $150 fee rebate for a National Bank Mastercard credit card, and an integrated line of credit.

The entry-level Minimalist package offers only 12 free transactions per month.

National Bank Savings Account

It offers a high interest Savings account with 0.05% interest.

For registered accounts, it also has a Cash Advantage Solution account offering 0.05%. This account is available as a TFSA, RRSP, or RRIF plan.

Benefits of Banking With the Big Banks

The biggest banks in Canada have their pros and cons. Here are some of the advantages of banking with them:

Branch Coverage: With thousand of Branch locations, you enjoy easy access to in-person support in all areas of the country.

ATM Coverage: The big banks have thousands of free ATMs across Canada which means you can avoid paying fees that accrue when you use out-of-network ATMs owned by other banks.

One-Stop Banking: You can easily open accounts to suit your varying financial needs with one bank instead of spreading them around. For example, you can open your chequing, savings, mortgage, investment, personal loan, and insurance accounts with the same bank.

Technology and Innovation: Big banks have a hefty budget dedicated to improving users’ experience and interface designs, and they pioneer technology that gives them an edge against their competitors.

International Reach: If you travel abroad frequently, a big bank with operations internationally can save you money through free ATMs or branch locations at your destinations.

Stability: A bank that has been around for 150 years is unlikely to disappear overnight. In fact, some of the biggest banks are classified as Systemically Important Financial Institutions (SIFI) or “too big to fail”.

These banks face extra scrutiny from regulators, providing an extra layer of security for their customers.

Related: Best Banks for Seniors in Canada

Downsides of Banking With a Big Bank

In exchange for convenience and perceived stability, here are some of the cons of a big bank:

Higher Fees: Big banks charge you a fee for everything. If the fee is not obvious, check the small print.

Poor rates: From extremely low savings interest rates to high mortgage and personal loan rates, a big bank is hardly the place to find the most competitive rate possible. There’s also limited room to negotiate better rates.

Less Personalized Service: Unless you have a huge bank balance, you shouldn’t expect top-level customer service. Community-based and financial institutions such as credit unions are better in this regard.

Watch out for Shady Practices: It’s no secret that many big banks have been mired in controversies in recent times from misleading tactics in selling credit card insurance, to pushing expensive add-ons people don’t need. Your banking could get a lot more expensive than you planned for.

Related: Best Business Credit Cards in Canada

Top Online Banks in Canada

While the Big five banks typically get most of the attention, several digital banks continue to gain traction as more people become comfortable with online banking.

These branchless virtual banks are best known for providing free chequing accounts and some of the best savings rates available.

All of the four mentioned below are also wholly-owned by Schedule I banks:

  • EQ Bank
  • Tangerine Bank
  • Simplii Financial
  • Motive Financial

1. EQ Bank

EQ Bank is a subsidiary of Equitable Bank, a Schedule I bank with more than $36 billion in assets under management.

It offers high-interest savings and Guaranteed Investment Certificate Investments through its website and innovative mobile app.

EQ Bank Savings Account

The EQ Bank-Savings Plus Account offers one of the best non-promotional rates in Canada.

It also functions as a hybrid account (chequing + savings) with features including:

  • Unlimited free bill payments and electronic fund transfers
  • Unlimited Interac e-Transfers
  • No monthly banking fees
  • Free mobile cheque deposits
  • No minimum account balance
  • CDIC insurance up to $100,000 per insured category
  • Joint accounts

This account currently pays a 1.25%* interest on every dollar in your account which is one of the best savings interest rates in Canada right now. You can sign up for it here.

In addition to the hybrid Savings Plus Account, you can open an EQ Bank TFSA or RSP account and earn high interest rates up to 2.20%* using savings products or GICs.

EQ Bank GICs

It offers GICs with terms ranging from 3 months to 5 years. The minimum amount you can invest in an EQ Bank GIC is $100.

EQ Bank also offers joint accounts and you can send cheap international money transfers directly from your account using TransferWise.

2. Tangerine Bank

Tangerine Bank is the direct banking arm of Scotiabank. It was formerly known as ING Direct Canada. Apart from a few kiosks and cafes in Toronto, Montreal, Vancouver, and Calgary, Tangerine is a full-fledged online bank.

Tangerine Chequing Account

The Tangerine No-Fee Chequing account offers all the basic necessities including:

  • $0 monthly account fee
  • Unlimited free debits, Interac, e-Transfer transactions, and Tangerine email money transfers
  • Free access to 3,500 Scotiabank ATMs in Canada and 44,000 worldwide
  • Interest up to 0.10% on your balance
  • Mobile cheque deposits

Your first cheque book order (includes 50 cheques) is free.

Tangerine Savings Account

Tangerine’s Savings Account is available under 6 different plans: high-interest savings (general), RRSP, TFSA, US$ savings, RRIF, and a children’s account.

Tangerine Credit Cards

Two of the best cash back credit cards in Canada are offered by Tangerine.

Tangerine Money-Back Card: Earn up to 2% cash back on your purchases while paying $0 in annual fees. Cardholders get an unlimited 2% back up to 3 categories of spending and 0.50% on everything else.

Get more details about the card or apply here (10% cash back for a limited time).

Tangerine World Mastercard: This card has a similar cash back offer plus some premium perks including:

  • Rental car insurance
  • Mobile device insurance
  • Complimentary Mastercard Airport Experiences membership
  • Free Wi-Fi at 1 million+ hotspots around the world

Even better, the Tangerine World Mastercard has no annual fee. Read our review of the card.

3. Simplii Financial

Simplii Financial is the direct banking arm of CIBC.

It used to be known as President’s Choice Financial when it was under the banner of both Loblaws and CIBC, until 2017.

Simplii Chequing Account

Simplii Financial’s No-Fee Chequing Account has no monthly account fees and offers:

  • Unlimited debits and bill payments
  • Free access to more than 3,400 CIBC ATMs
  • Interest on your balance up to 0.10%

It also has a global money transfer service that gives you a $50 bonus when you send your first eligible international money transfer.

Simplii Savings Account

This savings account pays 0.10% interest and has no monthly fees.

In addition to saving and chequing accounts, Simplii Financial has investment funds and GICS you can put inside non-registered and registered accounts.

Simplii Credit Card

Simplii has one credit card – the Simplii Financial Cash Back Visa. This credit card is great for gas, groceries, and restaurant purchases.

It features include 4% cash back on restaurant and bars, 1.5% on gas, groceries and drugstore purchases, and 0.50% on all other purchases.

4. Motive Financial

Motive Financial is a division of the Canadian Western Bank, a Schedule I bank based in Edmonton. It offers chequing high interest savings and GICs.

Motive Financial Chequing Accounts

Motive has two chequing accounts. The Motive Cha-Ching Chequing Account offers:

  • No monthly account Fee
  • Unlimited free transactions and Interac e-Transfer
  • Interest on your balance (0.25%)
  • Access to thousands of ding-free ATMs

The Motive Chequing also offers unlimited free transactions, however, it does not appear to be available to new clients.

Motive Savings Accounts

Motive has two savings accounts: Motive Savings and Motive Savvy Savings. The Motive Savvy Savings account offers a 1.25% interest rate.

Its features include:

  • No minimum balance
  • 2 free transactions per month

For Motive Savings, you earn 0.75% on balances of up to $5million and 0.50% on amounts over this limit.

Motive customers can also access GICs for TFSA, RRSP, and other investment accounts.

Types of Banks in Canada

There are three broad categories for banks operating in Canada as per the Bank Act.

Schedule I: These are domestic banks that are not subsidiaries of a foreign bank. They are authorized to accept deposits and may be eligible for deposit insurance through CDIC.

Examples include RBC, TD, CIBC, BMO, Scotiabank, Tangerine, National Bank of Canada, Equitable Bank, etc.

Schedule II: These banks are subsidiaries of eligible foreign banks and are also authorized to accept deposits. Examples include HSBC Bank Canada, ICICI Bank Canada, Citibank Canada, and Bank of China (Canada).

Schedule III: This category includes branches of foreign banks that operate in Canada and are authorized under the Bank Act to carry on banking business in Canada. Examples include Bank of America, Capital One Bank, Deutsche Bank AG, Citibank N.A., and BNP Paribas.

Schedule III banks operate under some restrictions. For example, they are generally limited from accepting deposits of less than $150,000.

How To Choose The Best Bank For You

While we have covered some of the best bank options in Canada, the best bank for you boils down to your specific needs.

Here are some of the factors you should consider:

1. Fees:  How much are you willing to pay for your money to sit in a bank account? For convenience? Are you maximizing the features of the account?

If you do most of your banking online, a no-fee chequing account may be all you need. If you need to visit a branch every now and then or want premium perks, it may make sense to keep the minimum balance in order to waive the account fee at your bank.

2.ATM and Branch Network: Find out whether the account offers access to free ATMs at convenient locations. You don’t want to skimp on the monthly fees only to pay it back in transaction costs.

3.Safety: All the banks listed here are members of the Canada Deposit Insurance Corporation (CDIC). This means your deposit accounts are protected up to $100,000 per category.

4. Interest Rates: How much is the bank paying you to save money? Compared to a big bank savings account, you could potentially earn 10-30 x more in interest on your savings when you choose an online bank.

5.Perks: Depending on your needs, a package offering free cheques, drafts, safe deposit box rental, credit card fee rebates, loyalty rewards, etc., may influence your choice.

6. Promotion: Banks often advertise juicy offers in order to attract new customers. While these sign-up bonuses are short-term, they may be worth your time.

Here are the bank promotions available in Canada.

Compare the Best Banks in Canada

Best Banks FAQs

What is the best bank to use in Canada?

The best bank for you depends on your financial needs, including the number of transactions you typically conduct every month, your location, need for in-person assistance, and whether you have a need for premium perks.

What is the number one bank in Canada right now?

The biggest bank in Canada right now is the Royal Bank of Canada. It surpasses the others by asset size and market capitalization. The second biggest bank based on these same metrics is Toronto-Dominion Bank (TD Bank).

Which banks take the top five spots?

The top five biggest banks in Canada are RBC, TD, Scotiabank, BMO, and CIBC.

Which banks have no monthly fees?

If you are looking for a no-fee bank, your best bet is to choose an online bank. Online banks have their pros and cons. You pay minimal fees for day-to-day banking transactions, however, most transactions can only be conducted online as they lack branches.

What’s your experience with banks in Canada? Let us know in the comments.

Источник: https://www.savvynewcanadians.com/best-banks-canada/

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First National Bank of Scotia Review

SmartAsset's Overall Rating

4.0/5

Rates

3.0

Fees

4.5

Service Quality

3.6

Financial Health

4.9

Key Highlights

  • Low Fees
  • Mobile App
  • Multiple Banking Products

Overview

Founded in 1923, First National Bank of Scotia has $463 million in assets and $422 million in deposits, ranking the institution as a medium-size bank. First National Bank of Scotia, whose headquarters are in Scotia, New York, lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. On the whole, First National Bank of Scotia is a good bank that deserves your consideration, with a rating of 4.0 stars out of 5 from our team. First National Bank of Scotia offers a diverse array of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. The bank's standard checking product features a $1.00 monthly fee, which is acceptable compared to the average U.S. bank. Using a bank with free checking, in addition to a high interest rate savings account is the best option for getting the highest income from your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

The is a weighted average of rates, fees, service quality and financial health.Read more

When a component rating is unavailable, the overall rating is calculated as an average of the remaining available ratings.

Rates
The Rates rating represents an aggregate of interest rates for specific bank products measured against the national average interest rate for each product. Product interest rates may vary by branch. Rates shown reflect the highest available nationwide.
Fees
The Fees rating is an assessment of the bank's fees measured against the national average fee amount for particular services and is also affected by whether or not the bank refunds ATM fees.
Service Quality
The Customer Experience rating is a weighted average of the Mobile Rating and the Consumer Satisfaction Score, which is based on complaints brought to the Consumer Financial Protection Bureau (CFPB).
Financial Health
The Financial Health rating is based on the Texas Ratio, an indicator that warns of credit problems at particular banks: anything less than 5% is considered Excellent; less than 20% is Very Good; less than 50% is Good; less than 90% is Fair; and over 90% is Poor.

Rates

With a savings rate of 0.10%, First National Bank of Scotia ranks poorly in comparison to the average U.S. bank. Its one-year and five-year term lengths CDs earn at a rate of 0.60% and 1.45%, respectively, while its highest-yielding money market account earns at an APY of 0.15%. Given First National Bank of Scotia's below average savings rate, you should think about opting for higher earning savings accounts with other banks.

How First National Bank of Scotia's Savings Rates Compare

First National Bank of ScotiaSavings0.10National Average0.09Compare Offers

Back to Overview

Fees

First National Bank of Scotia charges customers low fees compared to other U.S. banks. At $1.00/month, First National Bank of Scotia's checking account is perfect for those who want an easy checking account. First National Bank of Scotia unfortunately does not refund out-of-network ATM fees, meaning you will need to search for a First National Bank of Scotia ATM or accept the withdrawal fee.

Monthly Fee$1.00National Average: $3.21

Non-network ATM FeeN/ANational Average: $1.20

Overdraft FeeN/ANational Average: $35.00

Back to Overview

Service Quality

First National Bank of Scotia is a brick-and-mortar bank, with 10 total bank locations in New York. With mobile and web apps, First National Bank of Scotia makes account access straightforward, even on the go. First National Bank of Scotia's online and mobile banking platforms get mediocre scores from users. The First National Bank of Scotia mobile app has been given a 3.3 out of 5 (with 18 reviews on iOS and Android) compared to the national average of 3.8. First National Bank of Scotia's mobile app allows you to control your finances by monitoring current statements, sending and receiving funds as well as reaching customer service. First National Bank of Scotia receives an exceptional consumer satisfaction rating based on comparatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating3.3/5

Consumer Satisfaction Rating5.0/5

Online Banking PortalNo

Live ChatNo

Back to Overview

Financial Health

First National Bank of Scotia ranks as a medium-size bank with $463 million in assets and deposits totaling $422 million. Its Texas Ratio is 3.14%, denoting that First National Bank of Scotia is in terrific financial shape and unlikely to fail. Additionally, First National Bank of Scotia is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

3.14%

High Risk75%50%20%10%Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

Back to Overview

Compare First National Bank of Scotia to Other Competitive Offers

Products Offered

ProductCurrent Terms and RatesMinimum Balance for APY
Savings Account 0.1% APY $50
Checking Account 0.05% APY $500
Certificates of Deposit
  • 12 Month: 0.60% APY
  • 24 Month: 1.00% APY
  • 36 Month: 1.23% APY
  • 48 Month: 1.30% APY
  • 60 Month: 1.45% APY
$500 for all terms
Money Market Accounts 0.15% APY 0.15% APY $10000 $15000

First National Bank of Scotia has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. First National Bank of Scotia does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. First National Bank of Scotia's CD rates are fair as compared against the national average.

Back to Overview

Find a First National Bank of Scotia Near Me

First National Bank of Scotia has 10 physical branches across the U.S.

Back to Overview

Save more with these rates that beat the National Average

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Источник: https://smartasset.com/checking-account/first-national-bank-of-scotia-banking-review-11501

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