Brought to you by CFEE Canadian Foundation for Economic Education

A Note From Scotiabank

Scotiabank is pleased to support CFEE in providing you with this DayPlanner for newcomers to Canada.

To find out more about the Scotiabank StartRight Program for Newcomers:

  • Visit Available in eight languages: English, French,Traditional Chinese, Simplified Chinese, Spanish, Punjabi, Arabic and Korean.
  • Call 1-866-800-5159 (from Canada and US) for assistance in English, French, Mandarin, Cantonese, Punjabi and Spanish.
  • To locate your nearest Scotiabank with advisors who speak your language, check the Branch and ABM Locator at

1 The Scotiabank StartRight Progam, created for Canadian Landed Immigrants from 0–3 years in Canada, International Students and Foreign Workers.The Scotiabank StartRight Mortgage Program, created for Canadian Landed Immigrants and Foreign Workers from 0–5 years in Canada.

2 Subject to meeting Scotiabank’s credit criteria and security requirements. An unsecured VISA card may be available up to certain credit limits; a secured VISA card requires security equal to 100% of a pproved credit limit for Foreign Workers and Permanent Residents and 120% of a pproved credit limit for International Students.VISA card security can be cash security, Canada Savings Bonds or Guaranteed Investment Certificate. In addition, to be eligible for a personal borrowing product, you must be a Canadian resident and have reached the age of majority.

3 Subject to availability and signing the Safety Deposit Box lease.

4 Currently the Auto Finance Program is available through select car dealerships in Canada. Special financing rates are available from the following manufacturers: Kia, Chrysler, General Motors, Hyundai, Jaguar/Land Rover, Mazda, Mitsubishi and Volvo.This program is only available for Landed Immigrants and Foreign Workers. Subject to Scotiabank financing terms and conditions. Downpayment required.

5 Scotiabank is an authorized agent facilitating Western Union Money Transfer®* services.Western Union Money Transfer fees vary based on amount sent and destination. Information on Western Union Money Transfer fees can be obtained at a participating Scotiabank branch. A Scotiabank day-to-day banking account is required for use of Western Union Money Transfer services from a participating Scotiabank branch.

6 Applicable to residential mortgages only and subject to Scotiabank lending criteria for residential properties. CMHC/Genworth Financial Canada mortgage default insurance may be required for Loan to Value ratios (LVRs) greater than 50% to a maximum of 95%. Maximum LVRs available may be less than 95%.


     Ranked by The Banker magazine, a Financial Times publication, November 2012.

®   Registered Trademarks of The Bank of Nova Scotia.

®* The WESTERN UNION name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are registered and/or used in the U.S. and many foreign countries and are used with permission.

**  VISA Int./Lic. user The Bank of Nova Scotia.


CFEE is very grateful to Scotiabank for helping us to help newcomers and those who are planning to come to Canada.We are sure that Scotiabank could also be helpful to you.