Our OnLine Security Guarantee

We will fully reimburse you in the unlikely event that you suffer direct financial losses due to unauthorized activity1 in your accounts through Scotia OnLine Financial Services2 provided you have met all of your security responsibilities as outlined in the terms of our customer agreements3.

Our Commitment to You:

At Scotiabank, we're committed to keeping your accounts and financial information safe and secure, from the moment you sign on to Scotia OnLine to the time you sign out. As part of this commitment, we have instituted a number of security measures to help ensure the integrity of your transactions and your account information, including:

  • Meeting high industry Internet security standards by enforcing the use of 128-bit encryption browsers.

  • Installing firewalls and monitoring our systems to prevent unauthorised access to our internal systems and maintain the safety of your information.

  • Developing and implementing security enhancements to further protect Scotia OnLine information and sessions. We provide such security features like Remember My Card, Access Code and Session Timeouts. We also offer you an extra level of security protection by displaying the date and time of the last online visit, whenever you login to Scotia OnLine.
A Shared Responsibility:

To ensure you are protected under the Online Security Guarantee, you must do your part, too. That means it is your responsibility to abide by the terms of our customer agreements3 and follow the guidelines in the Safe Computing Practices section of Scotiabank's website. In particular, you must:

  • Carefully select your Scotia OnLine sign on password and Access Code and ensure that they are different from one another. Never select a password or Access Code that is the same as or similar to an obvious number combination such as your date of birth, bank account numbers, ATM PIN number, or telephone numbers.

  • Keep your ScotiaCard number, Scotia OnLine sign-on password, Access Code, and ScotiaCard Security Code number (last three italicised numbers printed on the back of your ScotiaCard card) confidential. Do not divulge this information to anyone – including family members, friends, employees, bookkeepers, or anyone else. Do not write this information down, keep a poorly disguised record of it, or keep it together with your ScotiaCard card.

  • Notify us immediately in the event of loss, theft, misuse, or compromise of your ScotiaCard card, Scotia OnLine sign on password, Access Code, or Scotia OnLine session.

  • Install and maintain up-to-date firewall and virus protection software on your PC or wireless device.

  • Do not respond to text messages, pop-ups, emails, or other Internet requests that ask you to reveal personal information about yourself or your Scotiabank accounts. Scotiabank will never send you unsolicited emails asking for your password, Personal Identification Number (PIN), credit card, account numbers, etc. We will never ask you to validate or restore your account access through unsolicited email.

  • Review your statements and report any errors in a timely manner. Different transactions have different reporting deadlines. Please see the applicable account agreement3, statement, or trade confirmation for further details.

  • Assist us in any investigation into improper access to your accounts.

By working together, you can help us protect your financial and personal account information.