The FHSA lets first time homebuyers contribute up to $8,000 each year, with a maximum lifetime contribution of $40,000. 25. Use Our Business Savings Account, An Ideal Account To Save Between Cad $10,000 - $2 Million. How do I cancel my Pre-authorized Contribution (PAC)? - Scotiabank Help Centre. We're dedicated to helping you find solutions to manage and grow your wealth, meet your long-term financial goals and administer day-to-day tasks. 00. Bank of Nova Scotia (BNS) News; BNS Bank of Nova Scotia 62. Earn 6 Scene+ points2 on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more. No, most of the Scotia savings accounts do not charge a monthly account fee. 02% exist in the first place, am I missing something?Effective August 14, 2023, the Scotia First Home Savings Account is available to eligible Scotiabank customers. Scotiabank Savings Accelerator Account: $5 service charge for an in-branch transfer to your Day-to-Day bank account from either a Non-Registered account or TFSA: Scotia Guaranteed Investment Certificates (GICs) There are no service charges on Scotia GICs. We offer a range of Registered Disability Savings Plan options, with a choice of investments that includes Cash/Savings, GICs and Mutual Funds. S. 00. $100 cash offer for new Student Banking Advantage ® Plan customers; 5,000 Scene+ points ($50 value) for new Scotiabank ® Scene TM. Guaranteed Investment Certificates (GICs) work similarly to savings accounts as you can earn interest on your funds without the risk of losing your original principal investment. BNS_PPSE_1_003-066787 HRI- -5-1-00-611363. Eligible SSAAs include only those held within a First Home Savings Account (FHSA). 30% Welcome Bonus Interest Rate Offer (the “Offer”) is only available on new MomentumPLUS Savings Accounts (“Account (s)”) opened. 180 days: 0. Promotional Interest Rate 2. For a limited time, earn an interest rate of 5. Available in registered § and non-registered plans. Getting There Savings Program for youth; Scotiabank Scene+ Visa Card for Students; Scene+ Student Banking Bundle; The Student Hub; Explore Scene+. The Bank of Canada said today it is raising its benchmark interest rate by 25 basis points to 0. Benefits: Free investing and trading education; Advanced tools and in. The FHSA lets first time homebuyers contribute up to $8,000 each year, with a maximum lifetime contribution of $40,000. Scotiabank Passport. Rate will be paid on entire balance. 2-step verification. You may also have carry forward room from a previous year, that can be used up to a maximum of another $2,500 in contributions for. To set up a PAC online, simply log in to your Scotia Online ® Account and: 1. SSI is a corporate entity, separate. Download and fill out the Electronic. You can save for. Generally, if you purchased investment products, such as stocks, and they had gone up in value when you sold them, you will have realized a capital gain and 50% of that gain is subject to tax. $350. 75%; $250,000. Take the stress out of saving with the Momentum PLUS Savings Account and reward yourself with a great interest rate. Set up 2 eligible separate recurring pre-authorized transactions, like a mortgage. Mortgage downpayment but you don't know when you will purchase) it is alright. Related Articles. You own the vehicle. If the transaction fails, we will advise you through the. Bank Accounts. With the Primary Savings account, you won't pay a monthly fee if your account balance remains above $500. The Minimum Guaranteed Return is calculated and compounded annually at the Annual Guaranteed Minimum Interest Rate. Registered Retirement Savings Plans (RRSP) Tax-Free Savings Accounts (TFSA) First Home Savings Account (FHSA) Registered Education Savings Plans (RESP) Registered Retirement Income Funds (RRIF) Registered Disability Savings Plan (RDSP) Products. $3,000 into any one of your new Eligible Registered Account (s) Either an Eligible RRSP or Eligible TFSA. 16, 2023 First Home Savings account offers eligible Canadians the ability to gro. Registered Retirement Savings Plans (RRSP) Tax-Free Savings Accounts (TFSA) First Home Savings Account (FHSA) Registered Education Savings Plans (RESP) Registered Retirement Income Funds (RRIF) Registered Disability Savings Plan (RDSP) Products. Overview. 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. View more details on all changes. Annual Interest Rate (3) $5,000 or more. Access to online banking to monitor account. $3,000 into both a new Eligible RRSP and a new Eligible TFSA (for a total minimum of $6,000 combined) Both an Eligible RRSP and an Eligible TFSA. SSAA Scotiabank ® Savings Accelerator Account. If you obtain a new Scotiabank product (i. 12 4 (up to 4 teller-assisted transactions 6) Charge for additional debit transactions. Skip the surcharge fees at these ABMs. Set up a password or Face ID to confirm your identity. Next. $350. Chequing accounts;. Conditions apply. Fulfil your banking needs 24 hours a day, 7 days a week with our toll-free number. Whether you’re saving for retirement, or just a rainy day, each financial plan focuses on your current needs and future goals. Up to $150 annual fee waiver each year on select credit cards 5. . (SSI). Income from different investment types is reported on different tax slips. Monthly fee $0. Unused contribution room rolls over into future years and. Talk to a Scotia advisor; Plans. Guaranteed Investment Certificates (GICs) Savings. Guaranteed Income Optimizer Non-Redeemable GIC Personal Redeemable GIC . PLUS get up to $149. 5% if you have a balance over $0). · $50 for an eligible withdrawal from your Scotia Registered Retirement. 99 per trade and Trade 1 Get 1 Free at Scotia iTRADE ®) Earn 5,000 Scene+ points ($50 value) with the Scotiabank Scene+ Visa * card. 16, 2023 /CNW/ - Scotiabank launched its new tax-free First Home Savings Account (FHSA) to help Canadians reach one of life's most exciting milestones: owning their first home. Scotiabank's Automatic Savings Program (ASP) makes it faster and easier to reach your short-term savings goals. Accounts>Manage My Accounts>Scotia ITRADE>Service Request>Enroll. 4 King Street West, 12th Floor. For instance, if the price of the new car is $35,000, and the dealer estimates that car will be worth $15,000 at the end of the three-year lease term, the $20,000 difference represents the cost of the car that. Anyone know how the BNS savings accelerators in the ScotiaBank TFSAs work? I have 2500$ in my Scotia TFSA and I’m just wondering what the BNS savings accelerator is. If you need assistance at any point, select the help icon. Scotiabank StartRight Program, created for Canadian Permanent residents from 0–5 years in Canada, International Students and Foreign Workers. Set up a password or Face ID to confirm your identity. Relay service calls are always accepted at all of the following numbers. Tax receipts are issued from January through March of the year following the transaction (s). If post-secondary is part of your future plans, there are many ways to fund your education, including RESPs, student loans, lines of credit and scholarships. Moving Scotiabank TFSA 35K Somewhere else? Hi PFC. 04Accept All. Interac e-Transfer †* lets you send, request, or receive money online from friends and family. 95 /mth. Deposits in: Registered Retirement Savings Plans (RRSP)/Registered Retirement Income Funds (RRIF). 75% to 0. A quick, easy, and secure way to connect with a Scotiabank advisor matched to your needs. Annual Interest Rate on account with balances:*. This figure is arrived at by subtracting what the car is expected to be worth at the end of the term from the purchase price of the car. Dollar GICs. The FHSA lets first time homebuyers contribute up to $8,000 each year, with a maximum lifetime contribution of $40,000. 2. Convenience: 24/7 access to your money through our self-service banking channels. Depending on the Scotia savings account you have, the interest rate can vary from 0% with the Scotia Euro Daily Interest Savings Account to 1. Now is the time to optimize your finances, so it’s important to reset and think about your new priorities. “Minimum Guaranteed Return” means. Evaluate Non-redeemable GIC and get comprehensive information. I'm with Scotiabank. Act on global investment opportunities. Dollar Daily Interest Savings Account: U. Earn 1% bonus interest when you save regularly through our Scotiabank Savings Reward Plan (SSRP) No charge for Scotiabank ATM or in-branch deposits. Withdrawal at another local bank: TT$4. 00%. The Accelerator account offers the following annual interest rates: Key takeaways: A TFSA is a registered account and the income you earn on it is completely tax-free. 60%* for the first 3 months. Prevent unauthorized access. Open an account. A RRIF is a tax-deferred retirement plan used to generate income from the savings accumulated from your RRSP plan. Bank of Canada's rate. 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 daily closing balance. 1. Both of these accounts have their pros and cons, and whether you choose an RRSP, a TFSA — or in. The Annual Guaranteed Minimum Interest Rate is specified in your Investment Directions. With online banking you can set up a future bill payment so that your bills are paid automatically. 50/month: Scotia Euro Savings. You can be pre-approved, search for a home, and get a mortgage all in one place with Scotiabank’s online mortgage application process. High interest saving account. Call us at 1-888-872-3388. Tap Enrol Now. It has no monthly fees and a regular interest rate of 1. Do transfers, pay bills and make payments instantly. The funds must be in your accounts and holds on your account must be cleared by 6 pm on the scheduled payment date. View your statements and other account documents digitally. Scotiabank Supports Canadians with the Launch of the First Home Buyers Savings Account Canada NewsWire TORONTO, Aug. View your statements and other account documents digitally. 99% after that; annual fee $0). 80%, depending on the balance, as of October. $350. Basic Chequing account allows you to do 12 transactions every month including up to 4 teller assisted transaction, 2 free Interac e-transfers per month, ideal for minimal banking needs. The Guaranteed Income Optimizer (GIO) is built to meet your diverse need for income, especially in retirement. RRSP/RRIF Investment Cash. Monitor; Level 2; Portfolio; Toplists; News; Forums; Menu ; Market Data. $3,000 into any one of your new Eligible Registered Account (s) Either an Eligible RRSP or Eligible TFSA. Enter the recipient's contact information and select the account you want to transfer money from. Choose the option that suits you best. Savings Accelerator Account: No Charge: No Charge: Not Available: Not Available: Money Master Savings Account: No Charge: No Charge: $2. What are better options for me to keep earning interest over say five years better than the current TFSA portfolio? Accounts>Transfers>Transfer Securities>Select from Account. Guaranteed Investment Certificates (GICs) Savings. Overview. 21-billion, or $1. The First Home Savings Account, or FHSA, is a new type of registered plan available to Canadians. By 1984, when National Trust amalgamated with The Victoria & Grey Trust Company, the company once again. 00 E-transfer $0. Alternative: Manage My Accounts> Additional Services> Scotia iTRADE> Service Request>Security Requests. Take the stress out of saving with the Momentum PLUS Savings Account and reward yourself with a great interest rate. ABMs are conveniently located across Canada - including at 7-Eleven, Quickie convenience stores, Cineplex theatres and. 1. Terms and conditions. 16, 2023 /CNW/ - Scotiabank launched its new tax-free First Home Savings Account (FHSA) to help Canadians reach one of life's most exciting milestones: owning their first home. 0. 1. Cash. We would like to show you a description here but the site won’t allow us. 59%. Effective account management with eStatements via. Tap Enrol Now. Compare Scotiabank’s Savings Accounts. Guaranteed Investment Certificates (GICs) Savings. Apply for a Scotiabank auto loan for a new or used car purchase, and receive up to 100% financing with up to 10 years to repay! Stop dreaming and start driving with a Scotiabank auto loan today! Watch video. 99% after that; annual fee $39). 50% "bonus rate" (if no withdrawals for. 99% cash advances. Guaranteed Investment. A $500 minimum investment is required. · $50 for an eligible withdrawal from your Scotia Registered Retirement. Sign in to Scotia OnLine and start banking online today. Both accounts have no monthly fees. Noticed that Scotiabank offers a "Savings Accelerator Account - TFSA" at 1. Both government and private student loans are available, and there are important differences between them. $250,000+: 1. Fund your account. 00 or $5. Create. $350. Products. Your financial plan can start with a simple conversation. 1. The Offer rate of 3. It's a savings account that has a higher interest rate than a regular savings account. Senior You are 60 or older. It is not an annual rate. A whole new world of convenience - banking transactions from your mobile phone! Learn more. Registered Retirement Savings Plans (RRSP) Tax-Free Savings Accounts (TFSA) First Home Savings Account (FHSA) Registered Education Savings Plans (RESP) Registered Retirement Income Funds (RRIF) Registered Disability Savings Plan (RDSP) Products. 01% interest. Min. Scotia RDSP Products. You may be reimbursed up to $3,000 CDN per trip for loss or damage to your baggage due to a covered event 6. It can hold a variety of different savings and investing options, from cash to Guaranteed Investment Certificates (GICs) to mutual funds. Basic Bank Account. Renewal ScotiaCard TM Visa® Debit. “Minimum Guaranteed Return” means the minimum return, expressed as a percentage rate, you will be guaranteed to earn on your Scotiabank Market Linked GIC. It has no monthly fees and a regular interest rate of 1. First Home Savings account offers eligible Canadians the ability to grow their investments tax-free, and allows tax-free withdrawals towards the purchase of their first homeScotiabank offers a 5. Rates are competitive to help you grow your savings. It starts with a simple chat. $350. Get up to 2% cash back on eligible gas station, grocery store, drug store purchases and recurring payments. Scotia iTRADE does not provide investment advice or recommendations and investors are responsible for their own. 4% with the Scotiabank MomentumPLUS Savings Account. Annual Interest Rate (3) $5,000 or more. 4. 00% on new FHSA deposits with the Savings Accelerator Account. Manage Preferences. Scotiabank Savings Accelerator Account Scotiabank Market Linked GIC . S. 350% for balances $0 - $249,999) / (0. 00 and transfer the difference from your Day to Day account to your linked Money Master account. Option 1: Use the transfers tab in Scotia Online® , Scotia mobile app or Scotia iTRADE mobile app to transfer funds from your chequing or savings account, Canadian or US currency, to your Scotia iTRADE account. Apply online with eHOME. A RRIF is a tax-deferred retirement plan used to generate income from the savings accumulated from your RRSP plan. 02. It pays a 0. Perfect if you like the latest and greatest technology. $3,000 into both a new Eligible RRSP and a new Eligible TFSA (for a total minimum of $6,000 combined) Both an Eligible RRSP and an Eligible TFSA. 85% – 1. Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points. "The Scotiabank Women Initiative is dedicated to empowering women entrepreneurs and increasing their economic and professional opportunities," says Sloane Muldoon, Senior Vice President, Retail Performance and Co-Chair of The Scotiabank Women Initiative. Investment Cash (BNS Dealer only) Non‑Redeemable GIC Scotiabank Market Linked GIC – Scotiabank Canadian Top 60 Scotiabank Market Linked GIC – Scotiabank U. Branch/ATM locations. Get a view of how your chosen investments like mutual funds, GICs, and savings, are bringing you closer to your financial goals. Savings Accelerator Account Grow your savings faster within your investment plan with this high-interest savings account. $50. *. Use our online tool to book an appointment with a Scotia advisor. It's a savings account that has a higher interest rate than a regular savings account. Dollar Visa * Card is the perfect companion. Earn 6 Scene+ points2 on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more. FATCA. Canadian Tire Acquires Bank of Nova Scotia's Stake in its Financial-Services Arm for C$895 Million Global News Select Oct 31, 2023 12:41pm Toronto Stocks Slide; Bank of Nova Scotia Falls on C$590. Need help signing in?Overview. On April 30, 2022 the below amendments to the Canada Deposit Insurance Corporation (CDIC) Act will come into effect. 75% to 0. Registered Retirement Savings Plans (RRSP) Tax-Free Savings Accounts (TFSA) First Home Savings Account (FHSA) Registered Education Savings Plans (RESP) Registered Retirement Income Funds (RRIF) Registered Disability Savings Plan (RDSP) Products. You can tap to pay with your contactless Scotiabank Visa credit. The only difference is that eStatements are delivered digitally (no need to travel to the mailbox) and can be. Choose a particular account or All accounts. retailers, your Scotiabank ® U. Scotiabank presents two high-interest savings accounts – the MomentumPLUS Savings Account and the Savings Accelerator account. When you do not. Take care of your everyday banking at nearly 3,600* Scotiabank ABMs across Canada. Minimum daily closing balance required for the entire month to pay $0/month. The 3. Accelerate your savingsScotiabank offers a 5. Scotiabank Supports Canadians with the Launch of the First Home Buyers Savings Account Canada NewsWire TORONTO, Aug. Registered Account. 1. $380. (TSX: BNS) and New York Stock Exchange (NYSE: BNS). Registered Retirement Savings Plans (RRSP) Tax-Free Savings Accounts (TFSA) First Home Savings Account (FHSA) Registered Education Savings Plans (RESP) Registered Retirement Income Funds (RRIF) Registered Disability Savings Plan (RDSP) Products. Each APR calculation is based on a mortgage of $100,000 with a 25 year amortization and a $300 appraisal fee. 95 /mth. -- First Home Savings account offers eligible Canadians the ability to grow their investments tax-free, and allows tax-free withdrawals towards the purchase. unch unch. Book an appointment. Grow your savings while you do life. $3. 00% on new FHSA deposits with the Savings Accelerator Account. The Annual Guaranteed Minimum Interest Rate is specified in your Investment Directions. At the end of each business day, we'll total the round up amounts from. To arrange contributions or open an account. Savings Accelerator Account. Access eStatements. Tap directly on your chequing or savings account in the app to see your interest rate. No concerns about wear and tear. With a self-directed plan, you can hold any qualifying investment you want. Available in registered § and non-registered plans. Get closer to your savings goals with a 1. Book an advisor. Put funds away in a high-interest savings account; Set up pre-authorized contributions and save automatically; Find out where your money goes to discover ways to save more;1. In person. $150. A GIC can help you earn more interest on your savings goals, such as saving a down-payment on a home or buying a new vehicle. 99% after that; annual fee $0). To qualify for the $300 bonus, (1) you must qualify as a StartRight customer, (2) you must open a Scotiabank Momentum Chequing Account or Scotia One Account (an “Eligible Account”) between. 30% interest in your RRSP or TFSA. Scotiabank Money Master Savings Account: This is an everyday savings account you can use for automatic contributions. (“SCI”). Conditions apply. $3,000 into both a new Eligible RRSP and a new Eligible TFSA (for a total minimum of $6,000 combined) Both an Eligible RRSP and an Eligible TFSA. Visit us 24/7 with online banking and our mobile app. Online banking let’s you manage, move and monitor your money easily. Talk to a Scotia advisor; Plans. Online banking let’s you manage, move and monitor your money easily. This means that a maximum of $500 can be added to an RESP annually. $150. You can be pre-approved, search for a home, and get a mortgage all in one place with Scotiabank’s online mortgage application process. (ASP) makes it faster and easier to reach your short-term savings goals. 00% interest rate on high interest Scotiabank Savings Accelerator Account TORONTO , Aug. 00% interest rate on high interest Scotiabank Savings Accelerator Account; TORONTO , Aug. Promotional rate. Now that you have the Scotia mobile app, learn how to: Securely log in to mobile banking with your debit card or username. 50/month: Scotia Euro Savings. Scotiabank Market Linked GIC Trust/Sub-Account Plan Not Available for Sale Accelerated-Rate GIC G7 Stock-Indexed GIC Scotia Dividend Fund GIC Scotia GIC with Flex Scotia. Cash Bonus. 5,000 Scene+ points ($50 value) for new Scotiabank ® Scene TM Visa *. 00%. 472. *. 16, 2023 First Home Savings account offers eligible Canadians the ability to gro. Guaranteed Investment Certificates (GICs) Savings. Certain restrictions, limitations and exclusions apply. 3. A $500 minimum investment is required. Scotiabank TFSA Savings Accelerator Account. $3,000 into any one of your new Eligible Registered Account (s) Either an Eligible RRSP or Eligible TFSA. Registered Retirement Savings Plans (RRSP) Tax-Free Savings Accounts (TFSA) First Home Savings Account (FHSA) Registered Education Savings Plans (RESP) Registered Retirement Income Funds (RRIF) Registered Disability Savings Plan (RDSP) Products. There is one main difference between the Scotiabank savings Accelerator account and the Momentum PLUS account. Annual Interest Rate (0. Talk to a Scotia advisor; Plans. Personal Redeemable GIC Pre-Paid Letters of Credit Scotiabank Savings Accelerator Account . Accept All. $0* or $11. 16, 2023 First. *On new deposits until March 31, 2021. $150. 84 billion in assets and $31. Create. When you create a profile your information stays on file, so you won't have to resubmit it if you apply for another position. Register for Interac e-Transfer † Autodeposit and receive Interac e-transfer transactions quickly and securely with the Scotia mobile app. Top. $3,000 into any one of your new Eligible Registered Account (s) Either an Eligible RRSP or Eligible TFSA. 2572%. Accelerate is a 12-month rotational program that provides opportunities to learn, practice, and apply the. Banks or credit unions charge an NSF fee when you don't have the funds in your account to cover a payment. Select the account you’d like your funds deposited to. 6842. 010%. View Scotiabank's current interest rates on registered cash investments held within RESPs, RRSPs and RRIFs. Effective July 1, 2021, we are making changes to the insurances that are included with your Scotiabank Credit Card Accounts. Everyday banking is easy online: Pay bills, check your balance and account history, transfer money between accounts and more. Registered Retirement Savings Plans (RRSP) Tax-Free Savings Accounts (TFSA) First Home Savings Account (FHSA) Registered Education Savings Plans (RESP) Registered Retirement Income Funds (RRIF) Registered Disability Savings Plan (RDSP) Products. $1. The Momentum PLUS Savings account is Scotiabank’s high interest rate account. Registered Retirement Savings Plans (RRSP) Tax-Free Savings Accounts (TFSA) First Home Savings Account (FHSA) Registered Education Savings Plans (RESP) Registered Retirement Income Funds (RRIF) Registered Disability Savings Plan (RDSP) Products. "The Scotiabank Women Initiative is dedicated to empowering women entrepreneurs and increasing their economic and professional opportunities," says Sloane Muldoon, Senior Vice President, Retail Performance and Co-Chair of The Scotiabank Women Initiative. This facility allows first-time homebuyers to grow and withdraw money from the account tax-free, as well as contribution up to $8,000 each year, with a maximum lifetime contribution of $40,000. On-the-go. Visit us 24/7 with online banking and our mobile app. 75% $38 first year return based on $5,000 balance. Essentially, both the Registered Retirement Savings Plan (RRSP) and the Tax-Free Savings Account (TFSA) have certain income tax benefits. See offer details. 2 Plus, get a 0% introductory interest rate on balance transfers for the first 6 months (22. 60%* for the first 3 months. Your financial plan can start with a simple conversation. $2. Scotiabank offers a 5. Part 4 Types of Accounts for Your Investments The following language has been added under Scotia Registered Accounts: Scotia First Home Savings. For a limited time, earn an interest rate of 5. We can help you: Plan your wealth succession. Second, your Total Debt Service Ratio (TDSR) is your monthly housing costs. $1. Scotia One Service †. BNS Savings Accelerator 41,132. When you’re travelling outside of Canada, you can use the ABMs of the international banks in the Alliance, and you’ll skip the surcharge and save on access fees. Interest rates and inflation. The longer you save, the higher your interest 2. The catch is that it is an awful interest rate. Please visit visa. Investment Cash (BNS Dealer only) Non‑Redeemable GIC Scotiabank Market Linked GIC – Scotiabank Canadian Top 60. With all your registered assets in one place, you'll get just. Guaranteed Investment. If that’s not convenient, call us instead at 1 (800)472-6842. For RESPs, RRSPs,. 00% interest rate on high interest Scotiabank Savings Accelerator Account; TORONTO, Aug. 1. 400% for balances $250,000 or more) Promotional Interest Rate 1. If possible, set up biometric authentication – whereby. Online appointment booking. The Savings Accelerator rate for Scotiabank’s TFSA is 0. $350. The Scotiabank Savings Accelerator account is another great option. Scotiabank’s profit fell 15 per cent to $2. Card. Δ. Scotia Momentum. Scotiabank offers a 5. Dollar Daily Interest saving account, which. S. The Bank of Nova Scotia (French: Banque de Nouvelle-Écosse ), operating as Scotiabank (French: Banque Scotia ), is a Canadian multinational banking and financial services company headquartered in Toronto, Ontario. We bring you competitive interest rates every day, and from time to time we also offer special promotional rates on a variety of products. View the current index values associated with the Canadian Stock-Indexed GIC,which provides a guaranteed return and upside potential based on the S&P/TSX60. Visit us at one of over 1,000 branches . If your goals are more short-term, a HISA will be a better account for your savings. See how much you can save with a TFSA. For RESPs, RRSPs, spousal RSPs, savings, and joint accounts, visit a branch.