40% of learners upskilled to new roles. First, if your credit card balance is under $10, you will not be charged the balance protector premium. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. Per: Paul A. 49 per. Bank of Canada's rate. More than 12,000 organizations trust Skillsoft for employee learning and development. Premium on Total Loan Amount (from the table above): 3. La Banca Premium de Scotiabank te ofrece un equipo de servicio personalizado, asesoría y servicio con un trato preferencial. 2. For answers, check out our FAQs. Earn even more interest1 when you open and fund a Premium Period (s)2. For inquiries. 416. In Person. m. Earn 6 Scene+ points for every $1 you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more, 5 Scene+ points per $1 spent on eligible grocery, dining and entertainment purchases, 3 Scene+ points per $1 spent. Earn 2X Scene+™ points for every $1 you spend on dining, entertainment, gas, daily transit, select streaming services. With an open mortgage, you can increase. m. If the total credit limit of all your insured Scotiabank lines of credit is greater than $150,000 but less than $300,000, you will be required to complete health questions in your application. Earn a welcome bonus of up to $400. Scotia Credit Card Protection offers. Pam’s Insurance premium for the March billing cycle is $3. I'm getting a fee tacked on to my credit card every month from Scotiabank. Earn 2 Scene+ points for every $1 spent on all eligible purchases with no limit. 30% (the “Bonus Rate”) will apply to deposits made to the Account for 3 months (90 days) from the date the Account was opened (the “Bonus Rate Period”). Annual fee: $150. It has an outstanding travel insurance package that includes 3 days of emergency medical coverage for people over the age of 65. # DATE DATE. Poor Trustpilot rating: 1. 99% purchases / 22. Click the "Banking" tab. Scotiabank Premium Banking - Trinidad and Tobago Your Premium Banking package includes 4 lounge access visits per year. Join. , withdrawal, deposit, transfer). Earn 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments. Low Trustpilot rating. Book an appointment. $29 /year (Special offer: First-year annual fee waived) 2. “Maximum Full Term Return” means the maximum return, expressed as a percentage rate, you may earn on your Scotiabank Market Linked GIC. 668. 40 Bay Street Toronto, ON M5J 2L2. (after a 60 day waiting period from the date of your job loss). At no additional cost, coverage is extended to cover an eligible co-borrower on. 22. 51% of its value, which equals $15. For. 0, and average annual benefit of over $6. Fortunately, Scotiabank recently introduced a new premium banking account: the Scotiabank Ultimate Package. Your existing Scotia Plan Loan Life and Disability insurance covers: Your monthly loan payments should you become disabled and unable to work as a result of an illness or injury. to suit your budget. Whether you want to switch to another Scotiabank credit card, consolidate multiple Scotiabank credit card accounts, or close your Scotiabank credit card account, we can help. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. A ScotiaLine personal line of credit is a product from Scotibank that provides a type of revolving loan. Freedom to travel the way you want – any airline, any time. Typically, the monthly cost for this type of insurance is about 99 cents (plus taxes) per $100 of. Get a quote for Credit Card Insurance Today!Scotiabank Gold American Express. Scotiabank Passport® Visa Infinite Card. Scotiabank Preferred Package Features. O. $350. Partner merchants are selected based on exceptional discounts and offers that they are willing to offer Scotiabank Premium Loyalty Club members. Scotiabank receives an administration fee from the Insurer to distribute Scotia Credit Card. To cancel your Scotiabank credit card protection please call us at 1-855-753-4272 on Monday-Friday from 8 am - 8 pm ET. Premiums are conveniently billed monthly, directly to your Scotiabank Credit Card account. 03. They will at least reimburse one month prior, although they might do 3 if you're really nice. m. Your monthly credit insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. Scotiabank fees. Scotiabank branch. Discount. The Scotiabank Passport Visa Infinite is a staple for the average jet-setter. Aside from the lack of foreign exchange fees, the card offers market-leading airport lounge access and travel insurance. About Scotiabank. To cancel your Scotiabank credit card protection please call us at 1-855-753-4272 on Monday-Friday from 8 am - 8 pm ET. “Real-Time Payment" or. Scotia Credit Card Protection The Bank of Nova Scotia is not an insurer and this is not an offer of insurance. Min. . Here's a detailed look at what the package offers. • 10 days ago. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada. This premium credit card comes with a generous Welcome Bonus of 30,000 Rewards points. PersonalCall or visit your Scotiabank Premium Banking Centre to learn more or to sign up. One high-interest savings account. Power’s 2023 Credit Card Satisfaction Study [1]. 10% interest on your Momentum PLUS Savings Account 7. 7. Remember my username or card number. The table below shows the monthly disability protection premium for each $100 of insured mortgage payment. 99% on cash advances. com Scotia Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of: Group Policy Number TMH600165 issued to The Bank of Nova Scotia To cancel your. Simplicity. 40% for 3 months. Your Account balance is insured for up to $50,000, however, premiums are only calculated up to a maximum of $25,000. Terms and conditions apply to all. 50% on all foreign payments. $0 /year. For Comprehensive Protection the monthly premium rate is $1. Scotia Credit Card Protection insurance is an optional insurance product available to Credit Premium economy is a class of service on airplanes between the economy seats you may be used to and the expensive, full-service business class. For Life insurance, the monthly premium is based on your age and your Scotiabank Mortgage account balance up to $1,000,0001 at the time of application approval. The one that's right for you will depend on your specific needs and savings goals. 00 $0. AMOUNT($) SUB-TOTAL CREDITS SUB-TOTAL DEBITS. To qualify for these offers make sure to open a new Scotia Momentum® Visa Infinite* credit card account by October 31, 2024. We are a top-five universal bank in each of our core markets, and a top-15 wholesale bank in the U. CIBC Aventura Visa Infinite Privilege card: Best black credit card for CIBC lovers. 0000002585 00000 n trailer Contact Us for 24/7 Customer Service Centre - Scotiabank Scotia Centre Branch rocharlle. As a Premium Seating client, you and your guests can expect to receive high-quality food and . For an all-in-one solution towards many of life’s common expenses, the Scotiabank Passport Visa Infinite Card packs quite a punch. I authorise theFees, rates & other information. Scotiabank personal credit cards. It’s designed specifically to offer members greater flexibility to earn and redeem their points in ways that work best for them. At such time, any premium paid will be refunded, and this Certificate will be deemed to be void from the Effective Date. How to remove a stop payment. 95 for every $100 of outstanding balance. Premium Credit Cards. Scotiabank doesn’t allow cardholders to cancel their credit cards online. Minimum daily closing balance required for the entire month to pay $0/month. For a $30. Scotia Line of Credit Protection: Life, Critical Illness, Disability, and Job Loss coverage. Discount. Interest rates: 20. net Rev. We offer a range of affordable optional creditor protection coverage for Scotiabank credit products:Scotia Mortgage Protection: Life, Critical Illness, and Disability coverage. Your monthly insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. To cancel your Scotiabank credit card protection please call us at 1-855-753-4272 on Monday-Friday from 8 am - 8 pm ET. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. With optional Scotia Creditor Insurance Protection, your Scotiabank debt payments are maintained or paid in full, in whatever situation you encounter. The monthly Basic Protection premium is calculated for every $1,000 of your loan balance on the date your Scotia Loan Protection application is approved. Connect with us in a way that’s convenient for you. 12. There are different coverage types, including. David and Pam’s combined Scotia Line of Credit Protection premium is $28. Scotiabank lines of credit is $150,000 or less. Box 1045, Stratford, Ontario, N5A 6W4. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. Scotia Credit Card Protection: Monday-Friday 8:00am-8:00pm ET: 1-855-753-4272: Scotia Plan Loan Life & Disability Protection:. 2. 1-855-753-4272. Plus, earn up to 5. ; Scotiabank AAdvantage – enter the world’s most famous. Scotia Credit Card Protection offers. A savings account, unlike a chequing account, is designed for limited transactions. If certain health or life. Flexible payment options. ; Scotiabank AERO Platinum – to enjoy travelling carelessly with each airline and get a cashback of one Scotia Point on every $1 spent. 49 per $100 of Your Daily Balance for the remainder of Your coverage period. INFORMATION ABOUT YOUR SCOTIABANK STATEMENT. Formerly known as the Basic Banking Plan, the Scotiabank Basic Plus Bank Account offers 25 free debit transactions and 10 free Interac e-Transfers monthly. Our claims service is available Mon to Fri 8:00am to 6:00pm EST. Investing regularly is one of the simplest ways. Premium Period Interest 2: 90 days: 0. (ET) and one of our Customer Service Representatives will be pleased to assist you with cancelling your coverage, and any premiums you've paid will be refunded. Scotia Credit Card Protection insurance;. 99%. 25% (the “Bonus Rate”) applies to New Deposits (defined below) made into an eligible Scotiabank Savings Accelerator Account (“SSAA”) between August 14, 2023 and January 31, 2024 (the “Bonus Rate Period”). The Scotiabank mobile app lets you manage, move, and monitor your money using your mobile phone. Rev. For Comprehensive Protection the monthly premium rate is $1. Pay-per-use Overdraft Protection Plan 30 (Not available in Quebec): $5. What you need to know about this insurance coverage: Creditor Insurance for Scotiabank Line of Credit is optional and offers you coverage on your Scotiabank line of credit for:. Apply now. . To cancel your plan: • Select your eligible credit card and tap the Scotia SelectPay icon • Select the My plans tab and the installment plan you want to cancel • Tap __Review & cancel __Allow 1 to 3 business days for us to complete the processing. Scotia Momentum Visa Infinite Card. SAMPLE Scotia® Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of:Optional Scotiabank Mastercard®/Visa® Credit Life Protection ‡ provides up to $85,000 in coverage with premiums based on the outstanding balance on your previous month’s Scotiabank Mastercard®/Visa® account. Premiums are calculated as per the Certificate of Insurance and are subject to eligibility requirements. In fact, it serves more than 10 million retail, small business and commercial banking customers in Canada and is the third largest bank in the. Preferred rates on fixed and variable rate, closed mortgages for new purchases, switches, refinances and renewals on a Scotia Total Equity® Plan ( STEP) ∆ available through an advisor. Here is a fee breakdown of the Scotiabank Ultimate Package: Monthly fee: $30. , e-Scotia Acquisition Inc. Enjoy international purchasing power and avoid the worry of carrying cash with Scotiabank's suite of credit card products. About Scotiabank. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and. Scotiabank Bahamas,Credit Protection for Credit Cards,Credit Card Protection. Call or visit your Scotiabank Premium Banking Centre to learn more or to sign up. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. The Annual Guaranteed Minimum Interest Rate is specified in your Investment Directions. 95% of employees built new skills within. Gather all the necessary documents based on the type of coverage you are applying for. These amounts will be added to your overall balance owing. All insurance plans are underwritten by independent licensed insurers under group policies issued to The Bank of Nova Scotia and all coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you. SCOTIA CREDIT CARD PROTECTION CLAIM FORM DISABILITY EMPLOYER STATEMENT. Mortgage. Income surpasses min required 65k. pdf from GNED 127 at Centennial College. Need help signing in?SCOTIA CREDIT CARD PROTECTION CLAIM FORM JOB LOSS OR STRIKE/LOCKOUT CLAIMANT STATEMENT & EMPLOYER STATEMENT Unity Managing Underwriters Ltd. Scotia Credit Card Protection offers you: Protection. Otherwise you’re stuck with the 90 days. PersonalScotia Credit Card Protection insurance;. 1685 E [email protected]% 3-years fixed. 95 /mth. The Scotiabank American Express Card is offering a modest welcome bonus of up to 7,000 Scene+ points for new applicants, distributed as follows: Earn 5,000 Scene+ points upon spending $750 in the first three months. 20. For RESPs, RRSPs, spousal RSPs, savings, and joint accounts, visit a branch. - 8:00 p. Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points. pdf - PL E Scotia Credit Card Protection M Certificate of Insurance SA Please keep in a safe place. As the COVID-19 situation continues to evolve, the safety and security of our customers and employees is our top priority. Your monthly credit insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. Scotia Credit Card Protection insurance;. Up to 10,000 bonus points + No annual fee. 60% * for 3 months. 3 out of 5. $0* or $16. 5% on foreign transaction fees. Scotiabank TFSA full review. Scotiabank "no-fee" credit card getting a $1. It is a lightweight IP-Based protocol for Signalling with CUCM and CME for Cisco phones session signalling. This is a relatively new product launched by Scotiabank in a world where a bunch of credit cards were being shut down including the beloved Amazon Visa and Marriott Visa which both had 0% FX mark-up. com, or visit. Per: Paul A. 40%, but you get a premium depending on how long you hold the balance, referred to as Premium Period. Scotia Momentum® Mastercard®* credit card. 49 per $100 of Your Daily Balance for the remainder of Your coverage period. 8% of its value in 2023 so far to trade at $60. 7092 F +1. 20% 17. If I have Scotia Visa Balance Protection or Scotia Credit Card Protection insurance on my credit card, does having a Scotia SelectPay Installment Plan affect my claim benefit?Scotiabank® Scene+™ Visa* Card for Students. So I have SCCP on my credit card and a balance of just under 2000$. 00% interest rate on cash advances and balance transfers (first 6 months) and 12. The consumer is charged a monthly premium or fee, the cost of which is calculated pursuant to a rate formula based upon the outstanding balance on the credit card monthly account statement. The bonus interest rate of 4. Monthly Overdraft Protection Plan: $5 per month. Eligibility Primary Cardholders, between the ages of 18 and under 70 years old, who are Canadian residents, are eligible to apply. The Scotiabank Scene+ Visa Card is a great entry-level card perfect for students and new immigrants looking to build their credit history. You can earn and redeem points at our program partners and brands. 32 + sales tax, where applicable. Earn 6 Scene+ points2 on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more. The monthly premium rate is $1. Interest rates: 12. While it has an $11. Certificate of Insurance - Scotia Momentum Visa Infinite Card (PDF) Product Summary for Travel Benefits – Scotia Momentum Visa Infinite Card (PDF) Product Summary Non-Travel Benefits – Scotia Momentum Visa Infinite Card (PDF) Scotia Momentum Visa Card. View your statements and other account documents digitally. Credit life protection Protect your loved ones with optional life insurance that covers the outstanding. You might think there’s a cost advantage, but this insurance is expensive at around $1 a month for every $100 spent. An example of this optional insurance is Scotia Mortgage Protection insurance. Ask your representative for a copy, contact 1832 Asset Management L. 49. Apply now. Scene+ is Scotiabank’s new, evolved rewards program. US Bancorp's shares are down roughly 20% so far in 2023 and yield a historically high 5. Fortunately, Scotiabank recently introduced a new premium banking account: the Scotiabank. The premium is added by Scotiabank to the principal amount of the loan and repaid over the same amortization period. Hollenberg President Chubb Life Insurance Company Fact sheet. The two exceptions are the Scotia U. Annual Fee. A high interest savings account is just what it sounds like. 99% purchases / 12. Email: [email protected] the Scotiabank Mastercard® responsibly can help you get approval for larger loans later, such as a mortgage or car loan. 7092 F +1. Updated: July 21, 2023. Second, you can earn a Premium Interest rate when you open a Premium Period(s), each of which can have a length of 90, 180, 270 or 360 days. You can choose from any of the four different rates. 21. If you hold it for longer than 180 days. SCOTIA CREDIT CARD PROTECTION CLAIM FORM CRITICAL ILLNESS / HEALTH CRISIS PROTECTION CLAIMANT STATEMENT Unity Managing Underwriters Ltd. 25. com, or visit. Scotiabank Value Visa. Your monthly insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. Bank of Nova Scotia ( TSX:BNS) is currently the second worst-performing Canadian bank stock among the Big Five banks. Scotiabank Ultimate Package Promotion $350 Bonus. “Scotia Credit Card Protection”. Get a Quote Provides a new tab for new customers with travel insurance login Get a Quote Opens a new tab for existing customer to get travel insurance quote Scotia Credit Card Protection Insurance - ScotiaLife Financial 0000005592 00000 n How can I cancel my Scotiabank credit card protection? SAMPLE 6 . Join Scene+ and find out more ways to. 1 (855) 753-4272. The Bank of Nova Scotia receives an administration fee from the insurer to distribute Scotia Credit Card Protection. Credit Protection can prevent this from happening. Earn an additional 2,000 Scene+ points upon spending $5,000 in the first year. Your monthly insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your. Minimum credit limit of $10,000. 49 per $100 of Your Daily Balance for the remainder of Your coverage period. Borrower can visit a Scotiabank branch, call the Insurance Canada Service Centre at. Rev. dollar investments require a minimum. 85% and a Welcome Bonus Interest Rate of 3. • the date Scotiabank receives Y our signed and dated Scotia Line of Credit Protection application; • the date specified in the Insurer’s approval letter, when approval is required; or • the date You sign Your Scotiabank Line of Credit agreement. 99% on cash advances, balance transfers and Scotia Credit Card Cheques. This Certificate replaces any and all Certificates previously issued to You with respect to the Group Policy. Dollar Daily Interest saving account, which charges $1 US per month or waived with a $200 USD minimum daily closing balance, and the Scotia Euro Savings Account, which charges €1 US per month or waived with a €200 minimum. The monthly premium rate is $1. The premium rate for coverage under Scotia Credit Card Protection is $1. Below average in customer satisfaction: Scotiabank ranks 7th out of 13 banks in J. While the card comes with a few premium perks, the low annual fee combined with the low-interest rate make up for this. Set up 2 eligible separate recurring pre-authorized transactions, like a mortgage. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada. How are my Premiums Calculated? Your premium is billed monthly to your line of credit account based on your age and daily balance during the billing period. com Inc. Annual fee. . 800. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. . The interest rates are lower than credit cards, but accessing funds and flexible repayment options are just as convenient. 40% as the starting point. Annual fee: $20; Interest rate: 12. 65% in interest with the Scotiabank savings account for a limited time. For mutual funds, call us at 1-800-268-9269 or visit a branch. pdf - PL E Scotia Credit Card Protection M Certificate of Insurance SA Please keep in a safe place. edwards@scotiabank. The annual interest rate on this credit card is around average at 20. Comprehensive Protection Insurance Premium Calculation Example: Your premium is calculated based on your Daily Balance. 1 Paralysis waiting period for Critical Illness reduced from 90 to 60 days Disability, Job Loss and Strike and Lockout benefit payment will now be paid retroactively from the date of the incidentIt will pay off your outstanding Scotiabank credit card balance, relieving your loved ones of added financial pressure at a difficult time. That said, you won’t get many benefits with this card, so read my Scotiabank Scene+ Visa Card. The enclosed Claimant Statement form fully completed and signed by the Claimant 2. To cancel your credit card, please call us at 1-866-267-4935. com Scotia Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of: Group Policy Number TMH600165 issued to The Bank of Nova Scotia To cancel your Scotiabank credit card protection please call us at 1-855-753. Scotia Credit Card Protection A. Scotiabank AERO * Platinum MasterCard ®‡ credit card. Open a new Ultimate or Preferred Package account between November 1 st and February 29 th, 2024. Network Service Data Units passed by higher layers in the originating node are delivered by the SCCP to higher layers in the destination node. After March 15th, 2019 your Scotia Plan Loan Protection will no longer be available for renewal. Scotiabank Arena has completed the first piece of an extensive $350 million renovation of the Toronto facility. As a premium rewards card, there are very few surprises around the Scotiabank Momentum Visa Infinite’s fees and rates. Scotia Line of Credit Protection insurance can help pay the outstanding balance on your Scotiabank Line of Credit account if you are diagnosed with a covered critical illness or if you pass away. 2 out of. SCCP CERT English 1471414 10 18Sample. Loan protection insurance is an optional insurance product that can help pay off or maintain your loan payments for a period of time in the event of illness, disability, or loss of life. 95 /mth. Low Trustpilot rating: Scotiabank scored 1. Earn up to $550 with a Scotiabank banking package and TFSA or RRSP. The table below shows the monthly disability protection premium for each $100 of insured mortgage payment. All your savings goals. Scotiabank Scene+ Visa Card. 99% on purchases. Scotia Club is the only premium club that faces the action on the ice, court and stage. Then if you hold your savings for more than 90 days, you get the Premium Period interest for 0. 84 billion in assets and $31. Your monthly insurance premium amount is added to your Scotiabank credit card account automatically and is reported on. A Tax-Free Savings Account (TFSA) earns income that is tax-free for life. Hollenberg President Chubb Life Insurance Company Fact sheet. By February 29, 2024 set up a recurring pre-authorized contribution (PAC) of at least $50 per month in any of your eligible RRSP and. 0% introductory interest rate on Cash Advances, including Balance Transfers, for the first 6 months (12. Updated: March 25, 2023. Best Scotiabank Student Credit Cards. Premium on Total Loan Amount (from the table above): 3. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada. Scotiabank Internet Banking offers you the flexibility to access your accounts anytime, anywhere. Scotia ® Credit Card Protection. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive within 30 days once your Scotia Credit Card Protection application has been approved. View more card details. The second is a premium interest rate that you'll earn between 90 and 360 days, which varies from 0. Visit your local. Credit Cards. Amortization Period - The actual number of years it will take to repay a mortgage loan in full. Explore our. Interest, fees, and income requirements. 6 million. This article. Yo u are neve r re quire d to purc hase insuranc e: Ev that is of Your monthly Comprehensive Protection premium is calculated for every $1,000 of your insured loan balance for Life and Terminal Illness coverage and $100 of monthly equivalent insurable benefit for Critical Illness, Disability and Job Loss coverage on the date your Scotia Loan Protection application is approved. They claim that. A Scotiabank customer with a fixed or variable rate term loan or demand loan, or a revolving credit facility. After your installment plan is enrolled, you can cancel it at any time through the mobile app or Scotia OnLine. Cost of each supplementary card. I have a stable job working as an English teacher in Korea, but I plan to leave here August 2015, travel for some time and then go back home. at 1-800-268-9269, fundinfo@scotiabank. Sometimes life can take an unexpected turn. To apply for Critical Illness insurance coverage, you must already have Scotia Line. Purchasing Get Bill Balance Protection Insurance by Financial Stability for you and owner family in unexpected events. 2,‡. 608. 0. This purchase was a smart move, effectively doubling the Scotiabank online client base overnight. Scotia iTRADE launched in 2008, after Scotiabank acquired E*Trade Canada and immediately rebranded it. $230 per month - (Mastercard Gold, Magna, Aero) Speak to a Premium Relationship Officer (PRO) to see which is right for you. How your premiums are calculated. Most bank customers often use chequing accounts as an avenue to. The Scotiabank Value Visa Card is a decent low-annual-fee and low-interest credit card option for Canadians struggling with credit card debt. It is a lightweight , proprietary control and communication protocol originally developed by Selsius Systems and later taken over by Cisco Systems. It stands out as a small business owner credit card that eliminates the pain of foreign transaction fees, saving you at least 2. No monthly account fees or minimum balance required. S.