This perk wasn’t available on the Momentum account. This Scotiabank Ultimate Package review covers everything you need to know about one of the best account packages from the big banks in Canada, When it comes to banking, you want the best service that meets your unique set of needs. Scotiabank Momentum PLUS Savings Account (360-premium) Featured. That said, you won’t get many benefits with this card, so read my Scotiabank Scene+ Visa Card. By February 29, 2024 set up a recurring pre-authorized contribution (PAC) of at least $50 per month in any of your eligible RRSP and. 2 Plus no annual fee in the first year . The ScotiaCard™ Visa DEBIT, helps to provide added security against counterfeit purchases or the use of lost and stolen cards. 1 With STEP, you’re in control. It functions like a term deposit account, with a base interest rate and a premium rate add-on depending on how long you keep the deposit. net . International Money Transfer ±. The annual interest rate on this credit card is around average at 20. They are transferred independently of each other. Note: Scotiabank Premium Banking is also subject to meeting lending and. For example, if you spend $1500 on your credit card in August and $2300 in September, then you’ll pay about $15 for August’s insurance and $23 for September’s. For each Premium Period, Premium Interest is calculated daily by applying the Premium. 7092 F +1. 668. , e-Scotia Commerce Holdings Ltd. To get coverage this month, you’ll need to pay a balance protector premium of $6. Aged 18 to 64. 70 per cent from 3. Earn up to 90,000 points + 5x points + $200 annual lifestyle credit. State several times you did not know about it and you do not want it. Benefits : Earn an additional 0. And that’s it!Scotiabank credit card can give you convenient access to credit for your everyday purchases and expenses. It also reduces your Business Account transactions by consolidating payments. 1 Paralysis waiting period for Critical Illness reduced from 90 to 60 days Disability, Job Loss and Strike and Lockout benefit payment will now be paid retroactively from the date of the incidentIt will pay off your outstanding Scotiabank credit card balance, relieving your loved ones of added financial pressure at a difficult time. 30% (the “Bonus Rate”) will apply to deposits made to the Account for 3 months (90 days) from the date the Account was opened (the “Bonus Rate Period”). To earn 10% cash back, make sure to use your new card to make everyday eligible purchases and earn 10% cash back on the first $2,000 you spend in your first 3 months from account opening. Scotia iTRADE launched in 2008, after Scotiabank acquired E*Trade Canada and immediately rebranded it. Yo u are neve r re quire d to purc hase insuranc e: Ev that is of fered by your distributor; pe from a person who is as signed to yo u; or en if you are required to be insured, yo u do not have to purc hase the insuran ce that Yo u caThe Scotiabank Platinum American Express Card is uniquely positioned amongst premium credit cards. 20. Monthly fee $0. Mahon President and Chief Executive Officer The Canada Life Assurance Company Per: Jeff MacounScotia ® Credit Card Protection. An example of this optional insurance is Scotia Mortgage Protection insurance. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. For Comprehensive or Basic coverage, above $50,000 the monthly premium. 49 per $100 of Your Daily Balance for the remainder of Your coverage period. Además, te brinda los siguientes beneficios: Transacciones ilimitadas libre de costo. Box 1097, Station B Willowdale, Ontario, M2K 3A2 T +1. 2. 99% 26. Scotiabank has a number of savings accounts tailored towards different needs. Therefore, they may be delivered to the SCCP user out-of-sequence. Unlimited debit transactions and unlimited Interac e-Transfers. Extra legroom is the primary draw to premium economy. The foreign exchange rates are based on a number of factors, including whether it's cash/non-cash transaction, how much money you're exchanging and market conditions. All recommendations are based on the information provided to us during this online process in relation to Scotiabank’s current product and service offerings. Scotia Credit Card Protection is optional insurance that can help you stay on solid financial ground. Mail Escalated Customer Concerns Office 44 King St West, Toronto, Ontario M5H 1H1. , delivering superior advice and services to help our customers get ahead. The one that's right for you will depend on your specific needs and savings goals. r/PersonalFinanceCanada. Based on these numbers, the premium payable would be: premium on total loan amount x mortgage loan amount = 3. The insurance can be connected to different types of loans, like those related to your mortgage, car and business loan. After your installment plan is enrolled, you can cancel it at any time through the mobile app or Scotia OnLine. 00 $688. to the Group Policy. Get a Quote Provides a new tab for new customers with travel insurance login. Credit life protection Protect your loved ones with optional life insurance that covers the outstanding. Bank of Nova Scotia ( TSX:BNS) is currently the second worst-performing Canadian bank stock among the Big Five banks. 10% interest on your Momentum PLUS Savings Account 7. INFORMATION ABOUT YOUR SCOTIABANK STATEMENT. Basic Bank Account. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. com. Scotiabank’s Canadian savings accounts do not come with any fees, but there is a small fee for the foreign currency. Promo offer: Up to 35,000 points ($350 value) Minimum income requirement: $60,000 personal or $100,000 household income. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive within 30 days once your Scotia Credit Card Protection application has been approved. Personal line of credit insurance is. Scotia Credit Card Protection is a group insurance plan (“Group Policy”) issued to The Bank of Nova. Earn 6 Scene+ points2 on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more. Mortgage. XXXX issued to. Set up one eligible automated recurring direct deposit, like a payroll or pension, that recurs for 3 months in a row. credit card benefits. View your statements and other account documents digitally. We offer a range of affordable optional creditor protection coverage for Scotiabank credit products:Scotia Mortgage Protection: Life, Critical Illness, and Disability coverage. 5. Scotiabank personal credit cards. For starters,. By Phone. Power’s 2022 Canada Credit Card Satisfaction Study. Scotia Line of Credit Protection is underwritten by The Canada Life Assurance Company under a group policy issued to the Bank of Nova Scotia. Premium Solutions with preferred products Credit card insurance is a product thatbanks marketas a way to help with credit card payments if customers losetheir jobs or getsick. Coverage is available to new or existing Scotiabank Auto Loan Borrowers (maximum of 2 insured borrowers), who are 18 years of age to 69 years. Click the "Banking" tab. 99% on purchases, 22. All coverage is subject to the terms and conditions outlined in the. However, it is lacking rewards and benefits and there. Scotiabank. D. 1-855-753-4272. While the card comes with a few premium perks, the low annual fee combined with the low-interest rate make up for this. Forexample,ifyouare25yearsoldandhavea$60,000mortgage,yourThe low-fee Scotiabank Preferred Package combines some of Scotiabank's most popular account features with preferred rates and rewards. The premium rate for coverage under Scotia Credit Card Protection is $1. As a Premium Seating client, you and your guests can expect to receive high-quality food and . 1685 E [email protected]% 3-years fixed. If you choose to defer payments, interest will continue to accrue; however, this could allow you the option to use your tax return once. A savings account is a bank product that offers interest on deposits. There is usually a maximum limit on the amount of debt that can be covered (in many cases, a maximum of $25,000). 40% of learners upskilled to new roles. Per: Paul A. • the date Scotiabank receives Y our signed and dated Scotia Line of Credit Protection application; • the date specified in the Insurer’s approval letter, when approval is required; or • the date You sign Your Scotiabank Line of Credit agreement. You could earn up to $550 with a Scotiabank banking package and TFSA or RRSP!2,‡. Scotiabank Internet Banking offers you the flexibility to access your accounts anytime, anywhere. at 1-800-268-9269, fundinfo@scotiabank. Join Scene+ and find out more ways to. 99% on cash advances. When you use Scotiabank’s mobile deposit feature, we will access your device camera to take a picture of your cheque; record the cheque number, account number, institution transit number, and amount; record your device model, as well as its. Credit Protection can prevent this from happening. Special Offer. Open an eligible TFSA and RRSP. They also offer coverage in case of stolen, damaged or lost belongings. ; Scotiabank AAdvantage – enter the world’s most famous. Waived first year. 30 + sales tax, where applicable. Scotiabank’s business credit cards that earn rewards each offer interest rates of 19. 7092 F +1. Only if you put it in a different premium with $5000 in the one and $1000 in the other. Build a plan for your future with Scotiabank. Navigate to Services in the main menu and select the Stop Payments sub-menu, and then select Remove Stop Payments. $0 - $350,000. Scotia Credit Card Protection (optional) 10 This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job. Click "Transfers" sub-tab. Choose the amount of emergency medical insurance you need, up to $150,000 CDN, if age 69 or less 3. PersonalCall or visit your Scotiabank Premium Banking Centre to learn more or to sign up. With no annual fee and the ability to earn flexible points, this card is one of the best Scotiabank credit cards. $70. SCOTIA CREDIT CARD PROTECTION CLAIM FORM STATEMENT OF DEATH CLAIMANT STATEMENT Unity Managing Underwriters Ltd. The table below shows the monthly disability protection premium for each $100 of insured mortgage payment. Eligibility Primary Cardholders, between the ages of 18 and under 70 years old, who are Canadian residents, are eligible to apply. Para realizar sus operaciones bancarias con toda comodidad puede reunirse con su oficial de Banca Premium en el área dedicada dentro de la sucursal, reservada exclusivamente para los clientes de Banca Premium. 60 Insurance fee every month Hi folks. Freedom to travel the way you want – any airline, any time. It's a savings account that has a higher interest rate than a regular savings account. View more card details. Scotiabank covers the financial needs of businesses and individuals by offering business accounts, personal chequing accounts, savings accounts, mortgages and credit lines. Scotiabank AA Black – get a complete reimbursement in case of lost luggage up to $3. a^I%7B9xB. Here is a fee breakdown of the Scotiabank Ultimate Package: Monthly fee: $30. All your savings goals. If the Account is opened on a statutory holiday or Sunday, the Bonus Rate Period will begin on the first business day after the Account is opened. For Comprehensive Protection the monthly premium rate is $1. Network Service Data Units passed by higher layers in the originating node are delivered by the SCCP to higher layers in the destination node. Use the drop menu to choose an Account. This goes up to 0. What is Scene+? How to redeem Scene+ points? How to use Scene+ card? Find all frequently asked questions and answers here. 4. Insurance is underwritten by GK Life. 00/month or. 85% to 1. @ScotiabankArena. This comprehensive coverage is available at a monthly premium rate of only $1. An updated Scotia Credit Card Protection Certificate of Insurance will be available on Scotia Credit Card Protection page as of October 17, 2020. 40% after 150 days $156 first year return based on $5,000 balance. Select the one that’s right for you. Travel anywhere in the world on any airline any time, in any seat you wish, giving you unparalleled freedom to chose the flights, car rentals, hotels and cruises you prefer. Save for multiple goals in one account. RBC Visa Classic Low Rate Option. The premium rate for coverage under Scotia Credit Card Protection is based on Your Daily Account Balance which is calculated daily and billed monthly. SCCP on credit card. 2%. Yo u are neve r re quire d to purc hase insuranc e: Ev that is of Scotiabank is exceptionally easy to use. Your monthly insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. Connect with us in a way that’s convenient for you. Scotia Credit Card Protection insurance;. Monthly premium amount. 221. Scotia Credit Card Protection: Monday-Friday 8:00am-8:00pm ET: 1-855-753-4272: Scotia Plan Loan Life & Disability Protection:. net Rev. If you have a medical condition or pending claim, approval of the extension of your. Please be advised that we will be discontinuing the L’earn® Visa* credit card account (the “Account”) for all cardholders, effective starting in November 2023. Low interest rates. Interest rates 6. This may go beyond the term of the loan. If certain health or life. Interest rates: 12. to suit your budget. Ultimate Package offers homeowners more value. Debit transactions 3. Enjoy perks at leading global brands. 0% introductory interest rate on balance transfers for the first 10 months (12. 99% on cash advances, balance transfers and Scotia Credit Card Cheques. 79%-27. Annual fee: $0. As a premium rewards card, there are very few surprises around the Scotiabank Momentum Visa Infinite’s fees and rates. If you decide that it isn't, simply call us at 1-855-753-4272, Monday to Friday, 8 a. a^I%7B9xB\. Earn up to 6X the Scene+TM points on every $1 CAD you spend in Canada on eligible grocery, dining, and entertainment purchases. If your goals are more short-term, a HISA will be a better account for your savings. For the regular rate, it is calculated using the regular interest rate of 1. Call or visit your Scotiabank Premium Banking Centre to learn more or to sign up. Get unlimited debit transactions 3 , Interac e-Transfers † transactions. Investors appear worried about the risk of the bank getting caught up in a bank run scare. The lack of information online is mostly understandable, given the fact that everything is based on income amounts and credit scores , but it. 95 for every $100 of outstanding balance. Save for multiple goals in one account. Life and Critical Illness Insurance for the cardholder and secondary cardholder (Joint coverage) on the same Scotiabank MasterCard account) costs $0. You'll have fewer cheques to write, convenient direct debit monthly payments, and the ability to reconcile your card expenses online. SCOTIABANK ARENAHOME OF THE MAPLE LEAFS & RAPTORS. Email: [email protected] the Scotiabank Mastercard® responsibly can help you get approval for larger loans later, such as a mortgage or car loan. Start your claim. Key Points. Our claims service is available Mon to Fri 8:00am to 6:00pm EST. 32 + sales tax, where applicable. com M: 782-0893. 99%. The Platinum Card® Cardmembers also qualify for Complimentary six-month access to Hole19’s premium features. What do I need to do? Please choose one of the following three Options: Option 1: Early activation of Scotiabank® Scene+™If you are looking for an all-inclusive “unlimited” chequing account, the Scotiabank Ultimate Package may be for you. Scene+ points can be redeemed for free movies at Cineplex theatres, food and drinks at multiple restaurants in Canada, and many other rewards. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. S. Your Account balance is insured for up to $50,000, however, premiums are only calculated up to a maximum of $25,000. How can I cancel my Scotiabank credit card protection? - Scotiabank Help Centre. Ask your representative for a copy, contact 1832 Asset Management L. 09 per $100 of Your Daily Balance until your 70th birthday, and $0. Scotiabank "no-fee" credit card getting a $1. Scotiabank Gold American Express® Card. Your Account balance is insured for up to $50,000, however, premiums are only calculated up to a maximum of $25,000. Scotiabank's Momentum PLUS Savings Account allows individuals to save for multiple goals in one account. 25/month. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive within 30 days once your Scotia Credit Card Protection application has been approved. So I have SCCP on my credit card and a balance of just under 2000$. However, in the event of your death or the diagnosis of a covered critical illness, this convenience could become your family's financial obligation. 1. net . com, or visit. Your forms can be mailed, faxed or emailed to the contact information provided in the form. S. They claim that. RT @apihtawikosisan: Do you have a scotiabank credit card? Have you noticed a SCCP premium charge? A lot of people were signed up for this insurance without their consent:Scotiabank TFSA Savings Account. The premium is added by Scotiabank to the principal amount of the loan and repaid over the same amortization period. Whether you’re saving for retirement, or just a rainy day, each financial plan focuses on your current needs and future goals. Scotiabank Customer Service: 1-800-472-6842. Variable Rate Mortgages. Mahon President and Chief Executive Officer The Canada Life Assurance Company Per: Jeff MacounLife and Critical Illness Insurance for the cardholder and secondary cardholder (joint coverage) on the same Scotiabank Mastercard® account) costs $0. credit card benefits. It can help you pay off your outstanding credit or loan balances or cover payments for a period of time if an unexpected life event happens, such as a critical illness, becoming disabled, or passing away. 0% foreign currency conversion fee. Up to 10,000 bonus points + No annual fee. Choose from two Emergency Medical Insurance Plans 1. Banking 101 – Insurance. clients of Scotiabank, and works with your Scotiabank Line of Credit account. 99% on cash advances (including balance transfers, Scotia Credit Card Cheques and cash-like transactions) Minimum credit limit. 40 Bay Street Toronto, ON M5J 2L2. Life and Critical Illness Insurance for the cardholder and secondary cardholder (Joint coverage) on the same Scotiabank MasterCard account) costs $0. While it has an $11. They will at least reimburse one month prior, although they might do 3 if you're really nice. 40% for 3 months. To cancel your plan: • Select your eligible credit card and tap the Scotia SelectPay icon • Select the My plans tab and the installment plan you want to cancel • Tap __Review & cancel __Allow 1 to 3 business days for us to complete the processing. 19. Premium Banking membership provides access to several benefits for a monthly fee of BB$70 with regular Premium credit cards or BB$90 with Premium MasterCard Black **. If you have any questions or need additional support, call us at. - 6:00 p. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. Interest, fees, and income requirements. Scotia Bank customer ratings. 09 per $100 of your account balance, calculated daily and for Basic Protection the monthly premium rate is $0. At no additional cost, coverage is extended to cover an eligible co-borrower on. Depending on what happened to you this can range from just making the minimum payments or paying off the debt. The Scotiabank Passport Visa Infinite is a staple for the average jet-setter. ET. “Maximum Full Term Return” means the maximum return, expressed as a percentage rate, you may earn on your Scotiabank Market Linked GIC. 95, you can have the monthly account fee will. Box 1045, Stratford, Ontario, N5A 6W4. Scotiabank Passport Visa Infinite Card. Get Scotia Credit Card Protection today, for when you may need a helping hand financially to get you through certain difficult times. For Disability and JobAccess eStatements. 75% of its value, which equals $17. The consumer is charged a monthly premium or fee, the cost of which is calculated pursuant to a rate formula based upon the outstanding balance on the credit card monthly account statement. US Bancorp's shares are down roughly 20% so far in 2023 and yield a historically high 5. 8% promo, you might as well get an EQ or Neo account. com Scotia Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of: Group Policy Number TMH600165 issued to The Bank of Nova Scotia To cancel your. Scotiabank’s TFSA is a tax-advantaged registered account. m. 09 per $100 of the average daily balance on your credit card account (plus any applicable provincial sales tax). 7092 F +1. This Website has been created to present certain selected information, and to allow access to certain transaction documents, relating to The Bank of Nova Scotia's Global Registered Covered Bond Program (the "Registered Program"). 05% interest on your Momentum PLUS Savings Account 14. Hollenberg President Chubb Life Insurance Company Fact sheet. 95 for every $100 of outstanding balance. 99% on purchases and 22. Otherwise you’re stuck with the 90 days. 99% after that; annual fee $29). Card features. Another consideration when getting a mortgage at Scotiabank is whether to choose an open or closed mortgage . Tasa de Interés escalonada basada en el balance de la cuenta. 99% for. Scotiabank receives an administration fee from the Insurer to distribute Scotia Credit Card. To qualify for these offers make sure to open a new Scotia Momentum® Visa Infinite* credit card account by October 31, 2024. Your monthly credit insurance premium amount is added to your Scotiabank credit card. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment. All insurance plans are underwritten by independent licensed insurers under group policies issued to The Bank of Nova Scotia and all coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you. $500. About Scotiabank. Certificate of Insurance - Scotia Momentum Visa Infinite Card (PDF) Product Summary for Travel Benefits – Scotia Momentum Visa Infinite Card (PDF) Product Summary Non-Travel Benefits – Scotia Momentum Visa Infinite Card (PDF) Scotia Momentum Visa Card. (416) 815-5500. If you hold it for longer than 180 days. Content and Purpose. P. Your Account balance is insured for up to $50,000, however, premiums are only calculated up to a maximum of $25,000. 10%. Score with 20% off green fees at eligible golf courses worldwide. As I mentioned above, Scotiabank has eight credit cards that allow you to accumulate Scotia Rewards points. Once that deferral period (3 months) is over, your regular interest rates will apply (during the deferral period on personal credit cards, interest rates were reduced by Scotiabank to 10. (ET) Saturday 10:00 a. The premium rate for coverage under Scotia Credit Card Protection is $1. S. $5,000. The rewards are easy to earn on every purchase and when it comes time to. Anyone that carries a balance on their credit cards, rather than paying the entire balance off in full each month by their payment due date, should consider a low interest credit card . 65% in interest with the Scotiabank savings account for a limited time. While the savings account interest rate is not as good as EQ Bank (our #1 high interest savings account) it is by far the best deal amongst RBC, TD, BMO and. Your monthly insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. 10% x $450,000 = $13,950. 49 per $100 of Your Daily Balance for the remainder of Your coverage period. Scotiabank has been taking part of the new account banking promotions that many other Canadian banks partake in, and are offering $350 cash as a new account bonus if you are a new Scotiabank customer and sign up for the Scotiabank Ultimate Package. (All images courtesy MLSE) Arena’s first all-inclusive club debuts. 19. This includes benefits for an eligible Co-Borrower on your Scotiabank credit card account, at no additional charge. RT @apihtawikosisan: Do you have a scotiabank credit card? Have you noticed a SCCP premium charge? A lot of people were signed up for this insurance without their consent:Cuenta de Ahorro Premium. 1 With STEP, you’re in control. 25 for monthly paper statements (free digital statements included) Incoming wire transfers cost $15. Your monthly credit insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. Get more details from any Premium. Everyday banking is easy online: Pay bills, check your balance and account history, transfer money between accounts and more. Use the form to recall your request. For inquiries. m. Income surpasses min required 65k. 02 (David’s premium) + $3. SCCP on credit card. La Banca Premium de Scotiabank te ofrece un equipo de servicio personalizado, asesoría y servicio con un trato preferencial. A copy of the Admission and Discharge summary(or summaries) from the Hospital(s) which clearly identifies your date of admission and date of discharge 3. Choose up to three customizable categories to earn 2% cash back with no spending cap. Bank of Canada's rate. . 85% on your net balance (including regular interest earned) for every 90 days without a debit transaction. Discount. Please keep in a safe place. Scotiabank personal loan product rating: 3. PDF SAMPLE - scotiafunds. The Momentum PLUS Savings account is Scotiabank’s high interest rate account. For Comprehensive coverage under $50,000, the monthly premium rate is $1. Inside Scotiabank. Per: Paul A. CLAIMANT STATEMENT - TO. Affordable monthly premiums for Credit Protection are based on your outstanding account balance and your coverage choices. The second is a premium interest rate that you'll earn between 90 and 360 days, which varies from 0. Scotiabank customer ratings. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and. Acquire Credit Card Balance Coverage Insurance for Financial Sturdiness for you the you my inside unexpected related. com, or visit. 4. 99% on purchases. 99% on any unpaid balances you owe, and 22. Clients with a Scotiabank Ultimate or Scotiabank Preferred chequing account package earn. Annual fee: $120. Flexible payment options. To cancel your Scotiabank credit card protection please call us at 1-855-753-4272 on Monday-Friday from 8 am - 8 pm ET. 221. # DATE DATE. Scotia Line of Credit Protection insurance can help pay the outstanding balance on your Scotiabank Line of Credit account if you are diagnosed with a covered critical illness or if you pass away. XXXX issued to. Here are some of the common fees you may encounter using Scotiabank’s financial products and. 7. SCCP is a lightweight IP-based protocol for session signaling with Cisco Unified Communications Manager. Monday - Friday. 38 $2,000. For this example, then, the mortgage default insurance premium would be $13,950. O. Scotiabank American Express Platinum Card At a Glance. 99% on cash advances. Scotia Investments’ Fund Managers have been managing portfolios for over 20 years. 1685 E SCCPClaims@umu. PersonalScotia Credit Card Protection insurance;. After your installment plan is enrolled, you can cancel it at any time through the mobile app or Scotia OnLine. , Victoria and Grey Mortgage Corporation are corporate entities separate from, though wholly owned. 95 monthly fee, you can waive the fee by keeping a daily minimum closing balance of $3,000. Your premium and coverage amount automatically adjust to match your outstanding insured Scotiabank Line of Credit account balance. Rev. Scotia® Credit Card Protection (requires application) † Rates, fees and other features and benefits are subject to change. 99%. Preferred rates on fixed and variable rate, closed mortgages for new purchases, switches, refinances and renewals on a Scotia Total Equity® Plan ( STEP) ∆ available through an advisor. It has an outstanding travel insurance package that includes 3 days of emergency medical coverage for people over the age of 65. For example, if you spend $1500 on your credit card in August and $2300 in September, then you’ll pay about $15 for August’s insurance and $23 for September’s. With Coverage for Pre-Existing Conditions. The Scotiabank Ultimate Package received its award-winning premium bank account title based on several factors including the fee waivers offered with the account, rewards earning potential, other free features, and so much more. Banner: Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus Scene+ points and first year annual fee waived on your first supplementary card. I authorise theFees, rates & other information. The Scotia Total Equity Plan (STEP) is a flexible borrowing plan tied to the equity in your home. 600% 1. 99% on purchases. View more card details. You’re eligible to apply for Scotia Line of Credit Protection if you are: A resident of Canada. We will tell You in writing before we make any changes.