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Employee Payroll Account
Open more than an account. Open opportunities to get closer to your goals
Open your new account here（https://apply.online.scotiabank.com/product/decision-prompt?lang=en&country=JM&product=08¤cy=JMD）
Right for you if you want:
No minimum amount required
Convenient 24/7 banking online
Better value on borrowing*
No monthly fee
Credit card savings*
Real-time updates to manage your account
Mastercard Debit Card allows for shopping online
You've earned it, now make it work for you.
Now everyone can make the switch to the Employee Payroll Account
The Employee Payroll Account is designed for employed individuals with big personal goals. With a myriad of specialized benefits, it encourages stronger financial profile and improved access to banking services to support goal realization.
Eligibility for this Account
To be eligible for the Employee Payroll account:
your payroll must be deposited to the account
the deposits must be recurring (monthly or bi-monthly)
the monthly amount deposit must be equal to no less than ½ the minimum wage.
*Restricted to one Payroll account per client
Top reasons to choose this account
Features and benefits
Offered to Jamaican residents and in Jamaican Dollars only
Requires no minimum amount to open or to be maintained in the account
No monthly fee
Preferential rates on loans*
25% discount on unsecured and auto loans application fee*
Reimbursement of 1st year annual fee on approved credit cards*
Charges no fees for Proprietary (BNS) ATM and POS
Charges fees for Non-Proprietary ATM and POS
Restricted to one Payroll account per client
Monthly recurring deposits are required to remain in this account
Requirements to open*
Full Name
Mother’s Maiden Name (where applicable)
One acceptable identification document containing photograph
Date of Birth
Nationality
Permanent Address
Telephone Contact Information (personal & work)
Tax Registration Number (TRN) or other Reference Number
Employment
Referees (if required)
Terms and Conditions
These terms and conditions (“ Terms and Conditions ”) govern the Employee Payroll Account and are supplemental to the terms and conditions of the Scotiabank Personal Financial Services Agreement (“ PFSA ”), as updated from time to time.
In the event of any conflict between the PFSA and these Terms and Conditions, the provisions of the PFSA shall apply. Capitalized terms used but not defined in these Terms and Conditions shall have the same meanings as defined in the PFSA.
1. Account Overview and Features
The Employee Payroll Account is a transactional account offered by The Bank of Nova Scotia Jamaica Limited (“Bank”) . This account is designed for clients whose salaries or wages are electronically paid directly to their Scotiabank Account. From time to time, eligible Employee Payroll Account clients may receive access to exclusive offers, benefits, or preferential rates made available to payroll clients. Such benefits may be subject to change from time to time.
For the avoidance of doubt, Scotiabank is not party to and assumes no responsibility for the client’s employment relationship or payroll arrangements with any employer.
2. Payroll Definitions
For the purpose of these Terms
A Payroll Client is a client who receives a salary, wages, or other employment related compensation (“salary”) credited electronically to the Account and who satisfies the payroll eligibility criteria described below.
A Payroll Deposit is a payment made by an employer to a client and credited electronically to the Account through recognized payroll channels, as determined by Scotiabank from time to time. You can access current benefits of your payroll account on the Scotiabank website.
3. Eligibility Requirements to Open and Maintain the Account
To open and maintain the Account, ALL the following criteria must be met:
a) You must meet the account opening criteria applicable in the jurisdiction in which the Bank operates, and the Account is opened, including all applicable regulatory, identification, and due diligence requirements.