Security
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.
Our Guarantee
Online
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 your security responsibilities.
Mobile
We will fully reimburse you in the unlikely event that you suffer direct financial losses due to unauthorized activity1 in your accounts through Scotia Mobile2 provided you have met your security responsibilities.

Your Security Responsibilities
To ensure you are protected under the Online and Mobile 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:
Shared Responsibility
Do you have security questions?
We have answers, Do you have security questions?"Unauthorized activity" means a transaction that was carried out in your Scotiabank account through Scotia OnLine without your permission, authorization or knowledge and where it can be established that you are a victim of fraud, theft or coercion.
"Accounts" include all accounts that are accessible through Scotia OnLine.