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One Time Password & Authentication

The One Time Password (OTP) is a second layer of security to protect all Scotia OnLine accounts. This process increases the safety of Scotia OnLine by adding a second verification step, which ensures that the person trying to gain access to an account are who they say they are. 

A Verification Code is a randomly generated 6 digit code that is sent to the user’s email address that is registered on their Scotiabank customer profile.  It is used as a second factor authentication method to aid in verifying the user’s identity.

When you receive the Verification Code, you will need to enter the 6 digit code into the field displayed on Scotia OnLine or Scotia Mobile in order to complete authentication.

 You will require a Verification Code for Authentication under the following scenarios:

• Signing in to an untrusted computer or mobile device
• Resetting your password
• Changing your password
• Self-Enrollment

If you don’t receive the Verification Code, you can click resend up to 2 more times. A total of 3 Verification Codes can be sent to your email address within a single authentication scenario.

If you input the Verification Code incorrectly, you will be informed of this and can re-enter the correct code up to 3 times.  After the third incorrect verification code, it will expire, and you will need to request a new one.  Up to a maximum of 3 Verification Codes for each authentication scenario and the ability to enter the correct Verification Code up to 3 times per Verification Code.

No, once a second Verification Code is requested, the previous Verification Code will expire and no longer be valid.

If you input the Verification Code incorrectly, you will be informed of this and can re-enter the correct code up to 3 times.  After the third incorrect verification code, it will expire, and you will need to request a new one.  Up to a maximum of 3 Verification Codes for each authentication scenario and the ability to enter the correct Verification Code up to 3 times per Verification Code.

A Verification Code is valid for 5 minutes.  After 5 minutes the Verification Code will expire and you will need to request a second Verification Code.

If you have done this, your profile will be blocked for 15 minutes.

Yes you will still require an access code.  As a user, you will be prompted to create your access code the first time you log in to Scotia OnLine.  This function to create your access code is not available on Scotia Mobile Banking.  

If your information does not match our records, your profile will be locked after the 3^rd attempt for 15 minutes. You will be requested to call our Customer Support Team at (246) 426-7000.