Mobile Banking at Scotiaconnect

App Download and Setup

Download the mobile banking app from the Apple App Store or Google Play Store, sign in with your existing credentials, and enable biometric login during first-time setup.

The mobile app is available for iOS devices running version 15 or later and Android devices running version 11 or later. Search "" in your device's app store — the official app displays the red logo on a dark blue background. After installation, open the app and sign in with the same username and password you use for online banking. First-time mobile users complete a brief device registration step where sends a verification code to your email or phone. Once verified, the app prompts you to enable fingerprint or face recognition — this step is optional but recommended. The entire setup process takes under three minutes for existing account holders.

New customers who open an account through the mobile app skip the separate registration step. The onboarding flow walks you through account opening, identity verification, and mobile banking setup in one continuous session lasting ten to fifteen minutes. Funding your new account via mobile deposit or external transfer is available immediately after verification completes.

Biometric Authentication

mobile banking supports Touch ID, Face ID, and Android fingerprint recognition — sign in to your account with a glance or a tap, no password typing needed.

Biometric login on the app works by storing an encrypted token on your device after your first full-credential sign in. Fingerprint and face data never leave your phone — the biometric sensor on your device confirms your identity locally and sends only a yes/no confirmation to the servers. If biometric recognition fails three times in a row, the app reverts to password entry and requires full credentials. You can disable biometric login from the app's Security Settings at any time. also supports device-level biometric protection: on iOS, the app inherits your device passcode fallback; on Android, the biometric prompt integrates with the system-level biometric manager for consistent behavior across devices.

Mobile Check Deposit

Photograph the front and back of an endorsed check through the app — deposits submitted before 7:00 PM ET on business days post by the next business day.

Mobile deposit through works with personal, business, government, and payroll checks drawn on Canadian and U.S. financial institutions. Open the app, tap "Deposit," select the destination account, enter the check amount, and photograph both sides. The app auto-captures when the check image is clear and properly aligned — manual shutter controls are available for tricky lighting. Endorse the back of the check with your signature and write "For Mobile Deposit Only" below it. The app retains check images in your transaction history for 90 days; recommends storing paper checks for 14 days after deposit confirmation before shredding.

Deposit limits start at $2,500 per day and $10,000 per month for new accounts. Established clients with six months of positive history may qualify for increased limits of $10,000 daily and $50,000 monthly. Funds availability follows standard hold schedules — the first $225 of a deposit is typically available the next business day, with the remaining balance released within two business days for most checks.

Real-Time Alerts and Notifications

push notifications alert you instantly to every transaction, deposit, low balance, bill due date, and suspicious activity — customize which alerts matter most.

The mobile app delivers push notifications through your device's native notification system. Configure alert preferences from the app's Settings panel: toggle transaction alerts (purchases over a dollar threshold you set), deposit confirmations, low balance warnings, bill payment reminders, wire transfer status updates, and security notifications for new device logins. Each alert type supports independent on/off controls and customizable thresholds. Transaction alerts include merchant name, amount, and account affected — tap the notification to open the app directly to that transaction's detail view. The notification history screen maintains a 90-day log of all alerts, searchable by date, amount, and alert type.

Mobile Feature Comparison

Security on Mobile Devices

mobile app security matches desktop standards — TLS 1.3 encryption, biometric authentication, automatic session timeout, and remote device deauthorization protect every mobile session.

The app encrypts all data in transit using the same 256-bit TLS 1.3 protocol as the desktop platform. Data at rest on your device is protected by the operating system's native encryption — iOS uses hardware-backed file encryption, Android relies on file-based encryption enabled by default on devices running Android 11 and above. The app stores no account numbers, balances, or credentials in plain text on the device. Session tokens expire after 15 minutes of inactivity and require re-authentication. If your phone is lost or stolen, call support at +1 (416) 555-0172 to remotely deauthorize the device and terminate all active sessions. The CFPB mobile banking guidelines recommend these exact safeguards, and implements each one.