{"id":889206,"date":"2020-11-20T10:33:23","date_gmt":"2020-11-20T15:33:23","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=889206"},"modified":"2026-09-02T10:37:30","modified_gmt":"2026-09-02T14:37:30","slug":"scotiabank-savings-accelerator-account-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/savings-accounts\/scotiabank-savings\/scotiabank-savings-accelerator-account-review","title":{"rendered":"Scotiabank Savings Accelerator Account Review"},"content":{"rendered":"<p>The Scotiabank Savings Accelerator Account is a very basic savings account that lets you earn up to 0.25% on your savings . There are no minimum deposit requirements and you won\u2019t have to pay monthly fees to keep your account active.<\/p><p>Just be aware that you\u2019ll pay a $5 fee for every in-branch transaction, although Scotia-to-Scotia transfers conducted through online, mobile or phone banking are free. This account can also be held as a registered plan such as an RRSP or TFSA.<\/p><h3>What are the benefits of the Scotiabank Savings Accelerator Account?<\/h3><p>You can take advantage of several benefits with the Scotiabank Savings Accelerator Account. These include the following:<\/p><ul class=\"list-1\"><li><strong>No monthly fees.<\/strong> You won\u2019t have to pay a monthly fee to use this account.<\/li><li><strong>Earn interest on any balance.<\/strong> You\u2019ll earn an interest on every dollar at a rate of 0.1% if you hold funds in a non-registered plan or 0.25% if you hold funds in a registered plan.<\/li><li><strong>Free internal transfers.<\/strong> Enjoy unlimited free transfers from your Scotiabank Savings Accelerator Account to your other Scotiabank accounts.<\/li><li><strong>Can be held as a registered account.<\/strong> Choose a registered plan (such as a TFSA or RRSP) to get all the benefits of a savings account without the tax implications.<\/li><li><strong>No minimum deposit.<\/strong> It\u2019s possible to get your account up and running with as little as $1, which makes it accessible to most customers.<\/li><li><strong>Quarterly statements.<\/strong> Enjoy free paperless quarterly portfolio statements to track the progress of your savings and see how much money you\u2019ve earned.<\/li><li><strong>Pre-authorized contributions.<\/strong> Set up automatic contributions into this savings account from your other Scotiabank accounts to rack up money faster.<\/li><\/ul><h3>What should I look out for?<\/h3><p>There are a handful of drawbacks to be aware of with the Scotiabank Savings Accelerator Account:<\/p><ul class=\"list-3\"><li><strong>No online application.<\/strong> You won\u2019t be able to sign up for this account online unless you\u2019re an existing Scotiabank customer.<\/li><li><strong>In-branch transfers cost money.<\/strong> If you want to transfer or withdraw money in-person at a Scotiabank branch, you\u2019ll pay $5 per transfer.<\/li><li><strong>No ABM access.<\/strong> You won\u2019t be able to withdraw money or access your account using an ABM.<\/li><li><strong>Low interest rates.<\/strong> You\u2019ll only earn 0.1% or 0.25% interest on your savings, which is low by industry standards.<\/li><li><strong>Low interest rate.<\/strong> This account pays a lower interest rate than some competitors, particularly online-only banks and alternative financial institutions.<\/li><\/ul><h3>Compare Scotiabank with other savings accounts<\/h3><script id=\"toppicks-datalayer\">\n  window.dataLayerState = [{\"TopPicksData_cardCategory\":\"High Ongoing Rate\",\"TopPicksData_providerLabel\":\"Neo Financial\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"true\",\"TopPicksData_position\":1},{\"TopPicksData_cardCategory\":\"Cashback \\u0026 Interest\",\"TopPicksData_providerLabel\":\"KOHO\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":2},{\"TopPicksData_cardCategory\":\"No-Fee Account\",\"TopPicksData_providerLabel\":\"Simplii Financial\",\"TopPicksData_primaryCta\":\"true\",\"TopPicksData_hasReward\":\"false\",\"TopPicksData_position\":3}];\n<\/script>\n\n  <script>\n    window.rewardsConfigs = window.rewardsConfigs || {};\n          window.rewardsConfigs[\"neo|savings|nov-2026~cafsa\"] = {\"startDate\":\"2026-11-04T18:00:00.000Z\",\"endDate\":\"2026-12-30T22:00:00.000Z\",\"showVisaLogo\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"isTieredReward\":false,\"rewardCopy\":\"Join Finder then open a new Neo Financial Chequing or Savings Account online through Finder as a first-time customer, deposit a total of at least $50 within 30 days of opening and keep the account active until February 15, 2027 to receive an $80 digital Visa gift card. 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stop-color=\"#fed838\"><\/stop><stop offset=\".84\" stop-color=\"#ffd835\"><\/stop><stop offset=\".9\" stop-color=\"#ffd23b\"><\/stop><\/lineargradient><clippath id=\"tpa-top-picks-0000000000\"><rect width=\"40\" height=\"25.225\" y=\"5.567\" fill=\"#fff\" rx=\"1.616\" transform=\"rotate(-8 0 5.567)\"><\/rect><\/clippath><\/defs><\/symbol><\/defs><\/svg>\n        <div class=\"topPicks__list\">\n      <div class=\"u-grid u-grid--alignStretch\">\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch rewards--element-container\" data-niche=\"CAFSA\" data-product-id=\"0b4f0b20-d534-4e79-936c-6ffe0021ea2b\" data-provider-id=\"527000d2-f183-4ae1-848a-6dd199a98cae\" data-product-name=\"Neo Savings Account\" data-provider-name=\"Neo Financial\" data-rewards-campaign-name=\"neo|savings|nov-2026~cafsa\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">High Ongoing Rate<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/savings-accounts\/neo-financial-high-interest-savings-account-review\" class=\"topPicks__productName\">Neo Savings Account<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/63ff53b675a44.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/63ff53b675a44.png\" class=\"topPicks__image\" alt=\"Neo Financial logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                                                <a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-x-neo-reward-offer\" class=\"topPicks__lozenge topPicks__lozenge--reward\"><svg width=\"44\" height=\"31\" viewbox=\"0 0 44 31\" fill=\"none\" class=\"topPicks__rewardIcon\" aria-hidden=\"true\" focusable=\"false\"><use href=\"#tpReward-top-picks-0000000000\"><\/use><text x=\"3\" y=\"28\" fill=\"#fff\" font-family=\"'Modern Era', Arial, Helvetica, sans-serif\" font-weight=\"900\" font-style=\"italic\" font-size=\"10\" letter-spacing=\"0\" transform=\"rotate(-8 0 5.567)\">$80<\/text><\/svg><span>$80 Reward<\/span><span class=\"topPicks__rewardShimmer\" aria-hidden=\"true\"><\/span><\/a>\n                                                      <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta topPicks__cta--reward rewards--cta\" href=\"#\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/savings-accounts\/neo-savings-account-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFSA%22%2C%22product_id%22%3A%220b4f0b20-d534-4e79-936c-6ffe0021ea2b%22%2C%22product_name%22%3A%22Neo%2BSavings%2BAccount%22%2C%22provider_id%22%3A%22527000d2-f183-4ae1-848a-6dd199a98cae%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2227131%22%2C%22post_id%22%3A%22889206%22%2C%22post_path%22%3A%22savings-accounts%252Fscotiabank-savings%252Fscotiabank-savings-accelerator-account-review%22%2C%22post_country%22%3A%22ca%22%7D\" data-card-position=\"1\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                      <p class=\"topPicks__ctaDisclaimer\"><a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/neo-x-finder-promotion-terms-and-conditions\" target=\"_blank\" rel=\"noopener\">T&amp;Cs apply<\/a><\/p>\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Earn 2.25% - 3.00% interest on savings<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Open an account instantly<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No minimum account balance to start earning interest<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>CDIC protection for balances up to $100,000<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">Cashback &amp; Interest<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/banking\/koho\/koho-save-review\" class=\"topPicks__productName\">KOHO Core Plan<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/671030f92318e.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/671030f92318e.png\" class=\"topPicks__image\" alt=\"KOHO logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/savings-accounts\/koho-core-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFSA%22%2C%22product_id%22%3A%22bd197cd9-0c91-47c9-afe4-522767250683%22%2C%22product_name%22%3A%22KOHO%2BCore%2BPlan%22%2C%22provider_id%22%3A%22cc53d1c3-c4ec-461a-bce0-4235a11de0a2%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2227404%22%2C%22post_id%22%3A%22889206%22%2C%22post_path%22%3A%22savings-accounts%252Fscotiabank-savings%252Fscotiabank-savings-accelerator-account-review%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"2\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Earn 2% interest<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Earn cashback rewards<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Get a prepaid card<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Unlimited free transactions<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No minimum balance required<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>CDIC protection for balances up to $100,000<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n                  <div class=\"u-grid__col topPicks__col u-3\/4 u-5\/12@s u-1\/3@l\">\n            <article class=\"topPicks__card luna-card luna-card--stretch\">\n\n              <header class=\"topPicks__header\">\n                <p class=\"topPicks__category\">No-Fee Account<\/p>\n              <\/header>\n\n              <div class=\"topPicks__body\">\n                \n                <div class=\"topPicks__nameRow\">\n                                                            <a href=\"https:\/\/www.finder.com\/ca\/banking\/simplii-financial-review\/simplii-financial-high-interest-savings-account-review\" class=\"topPicks__productName\">Simplii High Interest Savings Account<\/a>\n                                                      <\/div>\n\n                <figure class=\"topPicks__figure\">\n                                                        <img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6ac9644198893.png\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6ac9644198893.png\" class=\"topPicks__image\" alt=\"Simplii Financial logo\" loading=\"lazy\">\n                                  <\/figure>\n\n                                <div class=\"topPicks__rewardRow\">\n                                  <\/div>\n                \n                <div class=\"topPicks__ctaRow\">\n                                      <a class=\"luna-button luna-button--success luna-button--fluid topPicks__cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/savings-accounts\/simplii-high-interest-savings-account-ca-savings-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22top_picks%22%2C%22niche_code%22%3A%22CAFSA%22%2C%22product_id%22%3A%22784d7307-f7d0-47ba-8b65-f6db8d03436d%22%2C%22product_name%22%3A%22Simplii%2BHigh%2BInterest%2BSavings%2BAccount%22%2C%22provider_id%22%3A%2296092938-0048-41cc-a426-40c7fcee917a%22%2C%22position%22%3A%223%22%2C%22offer_id%22%3A%2221491%22%2C%22post_id%22%3A%22889206%22%2C%22post_path%22%3A%22savings-accounts%252Fscotiabank-savings%252Fscotiabank-savings-accelerator-account-review%22%2C%22post_country%22%3A%22ca%22%7D\" rel=\"sponsored\" target=\"_blank\" data-card-position=\"3\">Go to site<\/a>\n                                  <\/div>\n\n                <div class=\"topPicks__disclaimerRow\">\n                                  <\/div>\n\n                \n                \n                                  <div class=\"topPicks__descriptionRow\">\n                                          <ul class=\"topPicks__features\">\n                                                                              <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Earn up to 5.00% for 5 months, 0.30% - 1.00% thereafter interest<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No monthly fees<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>Unlimited transactions and Interac e-Transfers<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>No min. balance required<\/span><\/li>\n                                                                                                        <li><svg class=\"topPicks__featureIcon luna-icon\" width=\"18\" height=\"18\" style=\"--fill: #008024\" aria-hidden=\"true\" focusable=\"false\"><use xlink:href=\"#check-circle-fill\"><\/use><\/svg><span>CDIC protection up to $100,000<\/span><\/li>\n                                                                        <\/ul>\n                                      <\/div>\n                              <\/div>\n\n            <\/article>\n\n                      <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n<h3>How do I open a Scotiabank Savings Accelerator Account?<\/h3><p>Follow these steps to open a Scotiabank Savings Accelerator Account online:<\/p><ol><li>Visit Scotiabank\u2019s website, hover over the <strong>Bank accounts<\/strong> tab and select <strong>Savings accounts<\/strong>.<\/li><li>Open the page for the Scotiabank Savings Accelerator Account.<\/li><li>Fill out an application online if you\u2019re an existing customer, or make an appointment at a branch location if you\u2019re new to Scotiabank.<\/li><\/ol><p><strong>For online applications:<\/strong> Simply sign in to your Scotiabank online or mobile account and add this account to your other products by following the steps outlined in the app.<\/p><p><strong>For in-person\/phone applications:<\/strong> Call or make an appointment to sign up for an account. This will require you to submit personal information and verify your identity with a piece of government-issued ID.<\/p><h3>Eligibility requirements<\/h3><p>To apply for a Scotiabank Savings Accelerator Account, you need to meet the following criteria:<\/p><ul class=\"list-7\"><li>Be a Canadian citizen or temporary resident who is at least 16 years old (younger applicants may need a parent or guardian present to open an account)<\/li><li>Be opening a sole account in your name<\/li><\/ul><p>Required documents and information<\/p><ul class=\"list-7\"><li>Your name, residential status and contact information<\/li><li>Your Social Insurance Number (optional) and date of birth<\/li><li>Your email address and phone number<\/li><\/ul><h3>How do I deposit or withdraw my money?<\/h3><p>You\u2019ll be able to withdraw cash from your account by sending it to yourself via an internal Scotiabank transfer. You can also withdraw cash in-person at a branch, though this will cost you $5 each time. It won\u2019t be possible to take money out at an ATM.<\/p><p>You\u2019ll be able to deposit funds by transferring money into your account, cashing a cheque or depositing cash with a teller. You should also be able to transfer money into your account or deposit a cheque electronically using the Scotiabank Mobile app.<\/p><h3>How can I get in touch with customer service?<\/h3><p>You can easily connect with Scotiabank through the following channels:<\/p><ul class=\"list-11\"><li><strong>By live chat.<\/strong> Open the Scotia app to chat with customer service.<\/li><li><strong>By phone.<\/strong> Get in touch with Scotiabank\u2019s customer service hotline any time of day or night.<\/li><li><strong>In person.<\/strong> Visit a Scotiabank branch in person to discuss your banking needs or set up an account as a new customer.<\/li><li><strong>By mail.<\/strong> Send mail to Scotiabank\u2019s headquarters in Toronto or reach out to your local branch through the post.<\/li><\/ul><article class=\"luna-card--border\">\n<div class=\"luna-card__block\">\n<div class=\"u-grid\">\n<div class=\"u-grid__col u-1\/4@s u-1\/1\" style=\"padding-bottom: 0px; place-self: center;\">\n<img decoding=\"async\" class=\"alignnone size-full wp-image-1039990\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/BMO-Logo-2_Supplied_1800x625.png\" alt=\"BMO\" width=\"1800\" height=\"625\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/BMO-Logo-2_Supplied_1800x625.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/BMO-Logo-2_Supplied_1800x625.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/BMO-Logo-2_Supplied_1800x625.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/BMO-Logo-2_Supplied_1800x625.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/BMO-Logo-2_Supplied_1800x625.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2019\/01\/BMO-Logo-2_Supplied_1800x625.png?fit=5400 5400w\" sizes=\"(max-width: 5400px) 100vw, 5400px\" loading=\"lazy\">\n<\/div>\n<div class=\"u-grid__col u-1\/2@s u-1\/1\">\n<p style=\"font-size:130%;\">BMO Performance Chequing Account<\/p>\n<ul class=\"list-1\">\n<li>Earn <b>up to $1,100<\/b> in cash bonuses from BMO<\/li>\n<li><span style=\"color:#DB2420\"><b>Exclusive:<\/b><\/span> Get an extra <b>$175 reward<\/b> from Finder + a <b>$25<\/b> BMO referral boost<span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Exclusive offer:&lt;\/b&gt; Become a Finder member and receive a $175 digital Visa card when you open a BMO Performance Chequing Account online through Finder. Offer ends November 30, 2026. Terms and conditions apply. Plus, refer your friends to open the BMO Performance Chequing Account and after they successfully sign up for the account via Finder, you'll receive a $25 digital Visa gift card. There's no cap on referrals, so you could earn multiple gift cards.\" title=\"\" data-original-title=\"More info\"><\/span><\/li>\n<li>Get up to <b>5.00%<\/b> promo interest with a linked savings account<span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn up to a 5.00%&lt;\/b&gt; promo interest rate when you open both a BMO Performance Chequing Account and a BMO Savings Amplifier Account. Earn 0.45% thereafter. Terms apply.\" title=\"\" data-original-title=\"More info\"><\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"u-grid__col u-1\/4@s u-1\/1\" style=\"padding-bottom: 0px; place-self: center;\">\n<div class=\"rewards--element-container rewards--container\" data-product-id=\"b01ef1f7-4690-430e-890a-bde8c7186248\" data-niche=\"CAFSA-CHQ\" data-product-name=\"BMO Performance Chequing Account\" data-provider-name=\"BMO\" data-rewards-campaign-name=\"bmo|chq|nov-2026~cafsa\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"bmo|chq|nov-2026~cafsa\"] = {\"startDate\":\"2026-11-02T14:00:00.000Z\",\"endDate\":\"2026-12-01T04:59:59.000Z\",\"showVisaLogo\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"isTieredReward\":false,\"rewardCopy\":\"Join Finder then open a new BMO Performance Chequing Account online through Finder as a first-time customer and keep it open until January 29, 2027 to receive a $175 digital Visa gift card. Ends 30 Nov 2026.\",\"hasEligibilityCriteria\":true,\"offerStacking\":true,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $175 from Finder\",\"titleHighlight\":\"$175\",\"copyText\":\"Become a Finder member, then open a new \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder as a first-time customer to get a \\u003Cb\\u003E$175 digital Visa card\\u003C\\\/b\\u003E from Finder + earn \\u003Cb\\u003Eup to $1,100\\u003C\\\/b\\u003E in welcome bonuses from BMO. Keep the account open until January 29, 2027. Offer ends November 30th, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"nicheText\":\"Chequing Accounts\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"b01ef1f7-4690-430e-890a-bde8c7186248\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-bmo\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"175\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/finder-x-bmo-performance-chequing-account-promotion\",\"validationDate\":\"2026-12-30T05:00:00.000Z\",\"fulfillmentDate\":\"2027-01-30T04:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\",\"partnerRewardValue\":null},\"modalConfig\":{\"requireName\":false,\"title\":\"Get $175 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. Your details must match your new BMO account\",\"items\":[{\"icon\":\"shopping-bag\",\"text\":\"Create a Finder account for free instantly\"},{\"icon\":\"user\",\"text\":\"Open a BMO Performance Chequing Account online through Finder\"},{\"icon\":\"confetti\",\"text\":\"Receive your $175 digital Visa card from Finder on or before January 29th, 2027\"}],\"heading\":\"Get $175 from Finder\",\"membersHeading\":\"Get $175 from Finder\",\"text\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Create a Finder account for free instantly\\n* Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder\\n* Receive your $175 digital Visa card from Finder on or before January 29th, 2027\",\"membersText\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Open a \\u003Cb\\u003EBMO Performance Chequing Account\\u003C\\\/b\\u003E online through Finder\\n* Receive your $175 digital Visa card from Finder on or before January 29th, 2027\",\"emailCaption\":\"Your Visa card will be delivered here. Your details must match your new BMO account\",\"badgeText\":\"\\u003Creward_value\\u003E REWARD\",\"tieredValuePrefix\":\"Up to \",\"firstNameLabel\":\"First name\",\"lastNameLabel\":\"Last name\",\"emailLabel\":\"Email address\",\"emailPlaceholder\":\"email@example.com\",\"firstNameErrorText\":\"Invalid first name\",\"lastNameErrorText\":\"Invalid last name\",\"emailErrorText\":\"Invalid email address\",\"paymentTimelineText\":\"Payment within \\u003Cfulfillment_days\\u003E days of signup or purchase.\",\"legalText\":\"By submitting your details you agree to our \\u003Cterms_of_service_link\\u003E and \\u003Cprivacy_policy_link\\u003E.\",\"softAccountLegalText\":\"By entering your email address, you agree to create a Finder account subject to our \\u003Cterms_of_service_link\\u003E and \\u003Cprivacy_policy_link\\u003E.\",\"termsOfServiceLinkText\":\"terms of service\",\"privacyPolicyLinkText\":\"privacy policy\",\"continueText\":\"GET $175 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO BMO\",\"copyText\":\"Ends on November 30th, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-bmo\",\"nicheCode\":\"CAFSA-CHQ\",\"value\":\"175\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/chequing-accounts\\\/finder-x-bmo-performance-chequing-account-promotion\",\"validationDate\":\"2026-12-30T05:00:00.000Z\",\"fulfillmentDate\":\"2027-01-30T04:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-bmo-performance-chequing-account-reward-promotion-terms-and-conditions\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\",\"partnerRewardValue\":null,\"criteriaText\":\"Join Finder then open a new BMO Performance Chequing Account online through Finder as a first-time customer and keep it open until January 29, 2027 to receive a $175 digital Visa gift card. Ends 30 Nov 2026.\",\"membersCriteriaText\":\"Open a new BMO Performance Chequing Account online through Finder as a first-time customer and keep it open until January 29, 2027 to receive a $175 digital Visa gift card. Ends 30 Nov 2026.\"}};<\/script> <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/bmo-performance-chequing-account-review-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFSA-CHQ%22%2C%22class%22%3A%22luna-button%2Bluna-button--fluid%2Bluna-button--success%2Bluna-button--fluid%2Bhas-margin-top-small%22%2C%22offer_id%22%3A%2222439%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22product_id%22%3A%22b01ef1f7-4690-430e-890a-bde8c7186248%22%2C%22product_name%22%3A%22BMO%2BPerformance%2BChequing%2BAccount%22%2C%22provider_id%22%3A%2217ec4faf-007c-4695-8db1-58ffc0fdcac9%22%2C%22provider_name%22%3A%22BMO%22%2C%22post_id%22%3A%22889206%22%2C%22post_path%22%3A%22savings-accounts%252Fscotiabank-savings%252Fscotiabank-savings-accelerator-account-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1060519%2C%22name%22%3A%22bmo-rebate-narrow-hero%22%2C%22country%22%3A%22ca%22%7D%7D\" class=\"luna-button luna-button--fluid luna-button--success luna-button--fluid has-margin-top-small rewards--cta\">Go to site<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Do I need to pay fees with this account?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You won't need to pay monthly fees with this account. However, you will need to pay $5 every time you conduct an in-branch transaction, but you can avoid this by transferring funds via online, mobile or phone banking.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Is my money safe with Scotiabank?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. Scotiabank is one of Canada's Big Five banks and it's also a member of the Canada Deposit Insurance Corporation (CDIC). The insurance that CDIC offers automatically protects eligible deposits in your account up to $100,000 if Scotiabank goes bankrupt.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Can I manage my account through mobile banking?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes. You can easily download the Scotiabank mobile app on the Apple App Store or Google Play. From there, you can input your banking details and create a password to access your account on the go.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Can I apply online?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can't apply for the Scotiabank Savings Accelerator Account online unless you're an existing Scotia customer. If you're new to Scotiabank, you have to book an appointment at a local branch to open this account.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\" data-toc-label=\"Sources\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_0000000005\" data-toggle=\"collapse\" data-target=\"#sources_0000000005\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.scotiabank.com\/ca\/en\/personal\/bank-accounts\/savings-accounts\/savings-accelerator-account.html\" target=\"_blank\">Scotiabank: Savings Accelerator Account, Accessed June 19, 2025<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.scotiabank.com\/ca\/en\/personal\/rates-prices\/savings-account-rates.html\" target=\"_blank\">Scotiabank: Savings Accounts Interest Rates, Accessed June 19, 2025<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.cdic.ca\/depositors\/list-of-members\/\" target=\"_blank\">CDIC: List of member institutions, Accessed June 19, 2025<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div>","protected":false},"excerpt":{"rendered":"<p>This savings account comes with no monthly fee or minimum balance requirement, but the interest rate is fairly modest.<\/p>\n","protected":false},"author":474,"featured_media":1037309,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Scotiabank Savings Accelerator Account","_yoast_wpseo_title":"Scotiabank Savings Accelerator Account Review | Finder Canada","_yoast_wpseo_metadesc":"This account pays a modest interest rate on any balance. Learn more and browse alternatives in our Savings Accelerator Account review.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"Scotiabank Savings Accelerator Account Review | Finder Canada","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"685","post_editor_date":"","post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2025-06-19 23:31:28\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated our information on the Scotiabank Accelerator Savings Account, including rates, fees, pros and cons. We also added sources to this guide.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"categories":[100871],"tags":[],"asset_tag":[],"class_list":["post-889206","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-scotiabank-savings"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Scotiabank Savings Accelerator Account Review | Finder Canada<\/title>\n<meta name=\"description\" content=\"This account pays a modest interest rate on any balance. 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However, you will need to pay $5 every time you conduct an in-branch transaction, but you can avoid this by transferring funds via online, mobile or phone banking."}},{"@type":"Question","name":"Is my money safe with Scotiabank?","acceptedAnswer":{"@type":"Answer","text":"Yes. Scotiabank is one of Canada's Big Five banks and it's also a member of the Canada Deposit Insurance Corporation (CDIC). The insurance that CDIC offers automatically protects eligible deposits in your account up to $100,000 if Scotiabank goes bankrupt."}},{"@type":"Question","name":"Can I manage my account through mobile banking?","acceptedAnswer":{"@type":"Answer","text":"Yes. You can easily download the Scotiabank mobile app on the Apple App Store or Google Play. 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