Frequently Asked Questions
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FREQUENTLY ASKED QUESTIONS

Branches & ATMs

From January 23, 2023, you will have the convenience of conducting your banking at ANY of our six (6) branches or ATMs located across the island.

As a former Scotiabank customer, when will I be able to access my accounts at ECAB’s branches?
Customers will be able to complete all transactions at any of the six ECAB branches from January 23, 2023.
Where can I go to conduct banking business as of January 23, 2023?
Banking services for all customers of the Eastern Caribbean Amalgamated Bank Limited and former Scotia customers are available at the following locations:

Branch Location

Services Offered

Coolidge

• Drive-Thru Banking (All customers)

• In-branch services for Small Business and Commercial Banking

Dockyard

• Teller/Cash Operations/Customer Service

High Street

• Teller/Cash Operations

• Retail Lending

Redcliffe Street

Customer Service

Woods Branches

Full-Service Banking/Retail Lending

Where are ECAB ATMs located?

Please see the below ATM locations.

LD 2 Locations

No. of ATMs

Epicurean - Friars Hill

1

High Street Branch

2

Jolly Harbor – Commercial Center

1

Woods Center

2

Coolidge Branch*

3

Dockyard

1

Redcliffe Street

2

Perry Bay

1

AUA

1

* One(1) of the three(3) ATMs are for the Drive-Thru Banking Service

What functions can I perform via the ATM?

Our ATMS provide a range of banking functions making it easy for you to conduct your banking without having to come into the branch.

  • Cash withdrawals up to$5,400 using your ECAB Debit Card
  • Cash/Cheque Deposits (Cash and ECAB Cheques deposits before 1 p.m. on business days are credited to your account the same day)
  • Account balance checks
  • APUA bill payments
  • Cash Advances
Cash Back

While we are committed to giving you convenient banking options, the Cash Back service will be unavailable as of January 23, 2023. However, we take this time to remind you that cash and ECAB cheques deposited at our ATMs before 1:00 p.m. on business days will be processed and credited to your account on the same day. Non-ECAB cheques will be made available on the 2nd business day after being deposited at the ATM.

Debit Cards

ECABs Visa Debit Platinum Card combines all the advantages of a Platinum Card. See information on collecting and managing your new card.

Collection of Cards

Will my Scotia debit or credit card still work after integration?

Your debit card will be transitioned to an ECAB VISA Card. If you have not collected your card, please speak to a Customer Service Represent about collecting your card.

Who should collect a Debit Card?

Customers with an active former BNS debit card (the red or green card) should collect their new ECAB Visa Platinum Debit cards.

Who is not required to collect a Debit Card?

• Business customers, who are not sole proprietors, are not required to collect a card. • Customers of both legacy ECAB and former BNS, who already have an ECAB Visa Platinum debit card, are not required to collect a card as your accounts will be linked to your existing card.

Where do I collect my new debit card?

Your card can be collected from the following locations:

Last Name Location
A to E Woods Branch (former BNS location)
F to Z High Street Branch (former BNS location)

Card Pin

How do I create a PIN for my debit card?

Cardholders will be issued with a unique PIN when they collect their card at the branch. After system migration is completed, customers can re-PIN their card in branch.

What should I do if I've forgotten my PIN?

If you have forgotten your PIN, you can visit any ECAB branch to have it re-PINNED.

How many times can I change my PIN?

There are no restrictions on the number of times you change your PIN.

Card Benefits

What are the benefits of my card?

ECAB Visa Debit Cards offer a wide range of consumer benefits such 24-Hour Customer Service, ATM Protection, Price Protection, Purchase Protection, Concierge Services, Chip & PIN Technology and Contactless Payments. Please visit our website to review the list of benefits.

Debit Card Transactions

How do I view my debit card transactions?

Your debit card transactions can be viewed via MOREBanking online or the mobile App. Once you have received your login details, you can access the platform to view all transactions.

What is a denial fee?

The denial fee is a fee that is incurred when the cardholder attempts to perform a card transaction when there are insufficient funds held on the account. A charge will be incurred for every failed attempt. We encourage cardholders to monitor account balances using theMOREBanking online or mobile service to prevent such charges.

Is there a minimum transaction amount for debit card transactions?

There is no minimum transaction amount for debit card transactions.

Account Services

Why should I notify ECAB that I'm travelling with my card overseas?

It is recommended that you advise the Bank where and for how long your intended travel will be, so a record can be placed on your account and it is known that any card transactions from that location were likely authorized by you and not used fraudulently.

How do I notify ECAB that I'm travelling with my card overseas?

Cardholders should e-mail the bank at info@ecabank.com or send a secure message via ECAB MOREBanking online or mobile app providing details of your upcoming travel. Please ensure you include your intended destination and departure and return date.

Fraud & Security

How do I report Fraud on my debit card?

You can report fraud by calling 268-480-6187 or visiting any of our branches during our normal operating hours. For after-hours service you may call any of the numbers at the back of your card.

How do I dispute a charge on my card?

You will be required to complete the Bank's dispute form in order to initiate a dispute. The form can be obtained from any of our branches or arrangements can be made to have the form emailed to you.

How long can I wait before disputing a charge on my card?

Cardholders should frequently monitor their accounts and immediately report any unknown or unauthorized transactions.

How long can the dispute process take?

The dispute process can take up to 180 days.

Credit Cards

Our full suite of Credit and Prepaid Cards give you the flexibility of choice as well the rewards to match your lifestyle. Find out more about collecting and managing your card.

Card Collection

Will my Scotia credit card still work after integration?

Your credit card will be transitioned to an ECAB VISA Card with your usual limit and any outstanding balance. If you have not collected your new ECAB card, please speak to a Customer Service Represent about collecting your card.

A new account number will be assigned to your ECAB Visa credit card. This number will be provided upon collection of your new card. Please secure your account number as it will be required to make payments via our MOREBanking online/Mobile banking app. You will also be provided with information on how to manage your credit card account online. This will allow access to your transaction history and card balance via the Caribbean Card Mobile app, which can be downloaded from the Google Play or Apple stores. Your new credit card will allow you to enjoy rewards points which you can redeem for travel, local and overseas purchases and various other activities through the Visa My Rewards Program. To learn more about our card products, you may visit our website at www.ecabank.com or contact our Client Services Centre at (268) 480-6187 or info@ecabank.com

Where do I collect my new ECAB Chip and Pin Credit Cards Card?
Last Name Location
A to E Woods Branch (former BNS location)
F to Z High Street Branch (former BNS location)
What are the available times to collect my card?

Cards can be collected between the hours of 8:00 a.m. to 2 p.m. Monday to Thursday and 8:00 a.m. to 3 p.m. on Fridays.

Please be advised that you must be up to date on your monthly payments to collect your new card. All cardholders are encouraged to continue to make the monthly minimum payments on your card account by the scheduled due date.

Who can I contact if I have a question regarding my card?

You can contact 480-6187 or info@ecabank.com for any questions or concerns regarding your card.

I received a branded ECAB card previously, do I still collect a new card?

Yes, we are asking all former BNS customers to collect their new card no later than January 13, 2023. While you should continue to use your current card, as of January 20, 2023 your current card will be deactivated. Until that time, please keep your new card and card information in a safe place.

Card PIN

How do I create a PIN for my credit card?

To create your unique PIN, visit www.ecabank.com and login to the ECAB Credit Card Online Portal using the username and password received in your credit card package and follow the steps below:

1. Select Preferences
2. Verify your contact information
3. Select change PIN
4. Enter your new 4-digit PIN
5. Select “Change PIN” to confirm your PIN

What should I do if I have forgotten my PIN?

If you have forgotten or want to change your PIN, visit www.ecabank.com and login to the ECAB Credit Card Online Portal using your username and password and follow the steps below:

1. Select Preferences
2. Verify your contact information
3. Select change PIN
4. Enter your new 4-digit PIN
5. Select “Change PIN” to confirm your PIN

Do I need to know my current PIN to change to a new PIN?

No, once you have logged into the card portal, your credentials are verified, and you can freely create a new PIN of your choice without having to remember your old PIN.

How many times can I change my PIN?

There are no restrictions on the number of times you can change your PIN.

Card Benefits

What are the benefits of my card?

ECAB Visa Credit Cards offer endless possibilities and peace of mind as an ECAB cardholder. Our cards provide a wide range of consumer benefits such as Auto Rental Insurance, Visa Rewards or AAdvantage Miles, emergency card replacement, travel accident insurance, extended warranty and more. Please view the list of benefits available for your card here.

What are the charges and fees associated with my credit card?

Please view the full list of charges and fees associated with your card here.

What happens to my AA miles now that the Advantage Program is not associated with my new ECAB card?

While your new card will not be co-branded with the American Airlines AAdvantage program, you will continue to earn and received AAdvantage Miles.

How do I apply for an ECAB Card?

You can apply for an ECAB credit card online by visiting www.ecabank.com or click here to apply today.

What other credit card products does ECAB offer?

ECAB offers a full suite of Credit and Prepaid Cards giving you flexibility of choice as well as benefits and rewards to match your lifestyle. Learn more about our card products here.

Will ECAB offer Mastercard to customers in the future?

Yes. ECAB will be launching Mastercard products in the near future. Once available, customers will have the option to switch to a MasterCard product.

My Rewards

What are My Rewards?

My Rewards is a loyalty program offered to credit cardholders. My Rewards is the next generation of rewards and digital payments, offering multiple ways to earn and redeem rewards points on mobile devices, online or in store by simply using their linked Visa credit card. Redeem points every day at your favorite stores. Add your Reward Card to your e-wallet and redeem anywhere, even contactless, globally, locally, anywhere, anytime at 61 million merchants worldwide. Access the best Expedia travel deals on your favorite airlines, hotels and activities at the best prices.

How to I register for My Rewards?

You are automatically enrolled into My Rewards once you have a valid email address on your credit card account. However, to access My Rewards, you will need to either download the My Rewards App from the Google/Apple Play Stores or visit www.go2redeem.com and click sign in. Then click “Still Not Registered with My Rewards”. Enter your email address linked to your credit card and a confirmation email will be sent to your inbox. This will allow you to setup your password and load your My Rewards profile.

How can I use My Rewards points?

Once registration is complete with My Rewards, an image of a virtual card with your points balance will be displayed. Tap on the card to view your virtual card number and details. You can copy this card number into your online checkout to pay using your points balance. You can also redeem your reward points via contactless payments locally or overseas via a mobile wallet such as Google Pay, Samsung Pay or Apple Pay.

Even if you haven’t earned enough miles for your purchase, you can split your payment with your preferred card. My Rewards gives you the freedom to shop the way you want! The My Rewards Smart Agent is also available to help you from the app or via WhatsApp, iMessage or Facebook Messenger.

Do all transactions earn Rewards Points?

Points are earned on eligible purchases. Points are not earned on cash advances, fees, credits, interest, or payments to your card’s outstanding balance.

How do I view My Rewards balance?

Once you have logged into My Rewards, you can select a virtual card and view your points.

How do I reset My Rewards password?

Go to your My Rewards account through the app or visit www.go2redeem.com. Enter the email address associated with your card and then click forgot password to create a new password.

What do I do if I am unable to log into My Rewards via the mobile app or website?

First, please ensure you have entered your email address and card details correctly. You may also contact our Card Services Department at cardservices@ecabank.com to confirm that the email address you entered is correctly updated on our records.

How do I use My Rewards points locally?

You may add your My Rewards virtual card details to an electronic wallet such as Apple Pay, Samsung Pay or Google Pay. You will then enable this feature on your smartphone to checkout in person using NFC (near-field communication) on your device. Simply enable, tap and go at merchants who accept contactless payments.

How can I find more information about the My Rewards program?

Login to the My Rewards App to familiarize yourself with the features and learn more about the My Rewards program. The My Rewards Smart Agent is also available to help you from the app or via WhatsApp, iMessage or Facebook Messenger.

How do I pay my credit card?

Credit Card payments can be made through the ECAB MOREBanking online or mobile banking app. The app “ECAB Mobile” can be downloaded from the Google Play and Apple Play stores.

Credit Card Payments

How do I pay my credit card online via MOREBanking?

Visit the ECAB website, enter your log in credentials. Select Payments then Pay merchant. Select ECAB Credit Car merchant and then the account to be debited for the Credit Card payment.

What is the credit card account number used for?

Your credit account number is used to register your credit card in MOREBanking

How do I pay my credit card at the branch?

Complete the ECAB ALCHMEY Payment order form and deliver it to an ECAB Customer Service Representative for processing.

How long does it take for my credit card payment to be processed?

Online payments processed to USD cards before 10:00 p.m. are applied the next day by 12 noon. Payments made in branc are applied to cardholder's account same day after 7 p.m. Arrangements can be made for immediate payment. Requests fo immediate payments can be submitted via secure message via online or mobile banking or a Customer Service Representativ at any of our branches can provide guidance on this process.

How do I schedule recurring payments for my credit card?

Recurring credit card payments can be scheduled through the ECAB MOREBanking online or mobile app. Login the ECA MOREBanking, select Payments then Pay merchant. Select account and enter the amount to be paid. In the Schedule Paymen section, set the frequency and date for the recurring payment.

Can I make an additional payment before my scheduled payment?

Yes. Cardholder's can make additional or full payments to reduce the outstanding balance on their credit card account

What is the minimum payment due for credit cards?

The minimum payment is 5% of the outstanding balance - minimum EC$67.50.

What are late fees?

Late fees are charges that apply to a credit card account if cardholder fails to meet their minimum payment by th statement due date.

When is a payment reported as late?

A payment is termed as late when the payment is made after the statement payment due date.

Account Services

How can I increase my credit card limit?

A request for a credit limit increase should be made in writing to a Customer Service Representative at any branch.

Why should I notify ECAB that I'm travelling with my card overseas?

It is recommended that you advise the Bank where and for how long you intend to travel. A record will be placed on you account, so it is known that any card transactions from that location were likely authorized by you and not use fraudulently.

How do I notify ECAB that I'm travelling with my card overseas?

Cardholders should e-mail the Cards Services Department at cardservices@ecabank.com or send a secure message via ECAB MOREBanking online or mobile providing details of your upcoming travel. Ensure to include your intended destination and departure and return date.

How do I add or remove an authorized user on my credit card?

The principal applicant must send a letter to the bank with the relevant instructions and details of the additional cardholder.

How do I view my credit card transactions?

Visit the ECAB website and login to Credit Card Online. Select transaction. You can also view your card transactions in the Caribbean Cards Mobile App.

Credit Card Replacement

What do I do if my credit card is stolen or lost?

If your card is stolen or lost, report it immediately by calling any of the numbers on the back of your credit card. You can also report it via MOREBanking under Services, Report Stolen/Lost Card or call or visit any of our branches to make the report. Once a report is made, the card will be blocked immediately to avoid any further transactions being processed on the card.

If my card is lost, do I have to change all the cards on the account?

No. Only the card that is lost or stolen will be replaced. Other cardholders on the account will be able to continue to use their cards.

How do I verify that I've received my card if living overseas?

Send a secure message via ECAB MOREBanking mobile app or online or email the Card Services department - cardservices@ecabank.com to confirm receipt.

How do I request a replacement credit card if my card is damaged or no longer works?

The cardholder can send a secure message via ECAB MOREBanking mobile app or online or visit any ECAB Branch to complete a Card Replacement Form.

What do I do if my credit card has or is due to expire?

We issue renewal or replacement cards up to two months before the current card expires. Your card is valid through the expiration date printed on your card.

Fraud & Security

How do I report Fraud on my credit card?

You can report fraud by calling 480-6187 or by visiting any of our branches during our normal operating hours. For after-hours service, you may call any of the numbers at the back of your card.

Am I responsible for unauthorized purchases?

The bank assumes the liability of Credit Card Fraud transactions. However, the bank does not take liability for International Debit Card fraud transactions.

How do I dispute a charge on my card?

The customer will be required to complete the Bank's dispute forms to initiate a dispute/chargeback request. The form can be obtained from any of our branches or arrangements can be made to have the form e-mailed to you.

How long can I wait before disputing a charge on my card?

Cardholders should immediately report any unauthorized transactions on their card. Disputes should be processed within 120 days of the date of the transaction.

How long can the dispute process take?

The dispute process can take up to 180 days.

Online Banking

Think Outside the Bank. Our MOREBanking Online and Mobile provides you with all the features you need to bank at your convenience.

Will my existing login information for online banking remain the same?

No. Prior to integration day, January 23, 2023, you will be contacted to collect your new login online/mobile credentials. To access MOREBanking via a mobile device, please download the ECAB Mobile App from Google Play or the Apple Store. You may also login via your web browser by visiting our website www.ecabank.com and selecting “Online Banking Login”.

Please refer to the MOREBanking User Guide and Help Videos in the Integration Hub to learn more about MOREBanking.

When will lose access to my current online platform?

On January 20, 2023 from 5:00pm, your current online/mobile banking platform and login credentials will be disabled. Your accounts will be transferred to our ECAB MOREBanking platform between January 20 and 22 2022 at which time you will not be able to access online or mobile banking services.

When will I be able to access ECAB’s online and mobile banking platform?

Effective January 23, 2023, when the integration process is complete, you will have full access to ECAB MOREBanking’s complete suite of products and services allowing you to perform a range of banking transactions at your convenience.

How to I access MOREBanking?

To access MOREBanking via a mobile device, please download the ECAB Mobile App from Google Play or the Apple Store. You may also login via your web browser by visiting our website www.ecabank.com and selecting “Online Banking Login”.

Will I be able to access my previous bank statements?

All customers are encouraged to download and save statements from your current online application up to January 20, 2023 as there will be a delay in the availability of historical statements. Historical statements will be available by March 31 2023.

Who do I contact if I have any questions regarding ECAB’s online and mobile banking?

If you have not received your online and mobile banking credentials or if you have trouble logging in, please feel free to contact us at 480-6186/7 or info@ecabank.com if you have any issues with our MOREBanking platform.

Wire Transfers

Transfer funds across the world quickly and securely. Take note of new Incoming wire and routing number details.

Will there be any changes to Wire Tranfer information after integration?

Yes. Please note that as of January 23, 2023, the use of swift code ECABAGAG001 will be discontinued and must be replaced with ECABAGAG. Please update your incoming wire instructions with the following details:

Wire Transfer Information

Please be reminded that you must provide the remitter of funds with the correct wire information for incoming wires to be successfully received. You are encouraged to verify the beneficiary’s/recipient’s banking information before attempting to process an outgoing wire. Incorrect or incomplete information will result in delays or the return of funds. Wires sent to us using incorrect information will not be received.

Will I still receive SWIFT MT940/950 Messages?

Customers who receive SWIFT MT940/950 messages will continue to receive them after integration day.

What will the new routing number be for Electronic Fund Transfer Payment (EFT)

As of January 23, 2023, the use of the former Scotiabank routing numbers should be discontinued and must be replaced with ECAB routing number 000000712. To receive EFT payments, provide the remitter with the following:

  • Account Name: Beneficiary Account Name
  • Account Type: Beneficiary Account Type
  • Account Number: Beneficiary Account Number
  • EFT Routing No.: 000000712
  • Bank Name: ECAB

Deposit Accounts

We offer a range of deposit accounts to fit your needs. Note changes to account numbers, names and rates.

Will Scotiabank products and rates remain after integration?

Commencing January 23, 2023, with the exception of loan and time deposit interest rates, your banking products, rates and fees will be adjusted to reflect ECAB’s current products, interest rates, fees and charges. Please visit the Integration Hub section to view ECAB’s Product Conversion Guide and our schedule of fees and charges.

How can I register for a new service?

As of January 23, 2023, you may apply for new products or services from any of our branches. Appointments can be online through the appointment portal on www.ecabank.com.

Will my USD Savings account at Scotia remain the same product at ECAB?

Yes, however, effective January 23, 2023, all USD savings will be converted to ECAB’s USD Savings Product at ECAB’s terms and conditions.

How will my CD interest rate be affected?

Your CD interest rates will not be affected immediately but will come over to ECAB at the current applicable Scotiabank rate. However, as your CDs mature, the interest rates will be converted to ECAB rates.

As a former Scotiabank customer, will my existing account numbers change?

Yes, your account number will change. Your new account number will be a combination of your branch transit and your existing account number.

Example

Deposit Accounts

If you wish to confirm your account number, it can be viewed through the ECAB MOREBanking online or mobile App. Similarly, if you have any questions regarding your new account number you may contact our Client Services Centre at (268) 480-6187 or info@ecabank.com or speak to a Customer Service Representative at any branch.

Loans & Mortgages

There will be changes to some products. See below how you may be impacted.

Will my former Scotia loan rate and terms change after integration?

You will continue to enjoy the terms and rates of any existing loan as the terms and rates remain unchanged. Should you wish to make any inquiries regarding your loan or apply for a new loan, you may do so by contacting our Loans Team at 480-6090 or creditadmin@ecabank.com.

Kindly note that as of January 23, 2023, an NSF charge of $75.00 will be applied to all cheques written against accounts with insufficient funds. The charge will be applied whether the cheque is honored or returned.

How can I apply for a loan?

If you wish to apply for a loan, you may do so by contacting our Loans Team at 480-6090.

Will the Scotialine product be still available?

All customers with the Scotialine product will be issued a Visa credit card as the Scotialine product is being discontinued. Your Scotialine will now only be accessible via your credit card. Transfers from your card account to your deposit account can only be completed by withdrawing cash via the ATM and depositing funds to your account. If you have questions or concerns about the transitioning of your Scotialine, or if you wish to close your card account and apply your limit to a current account with cheque writing or debit card privileges, please call 480-6090.

Will the Trade Finance Services still be available?

There will be no change in the processing of your domestic and cross-border trade finance transactions. You may call our Retail and Commercial Lending team at 268-480-6090 or email creditadmin@ecabank.com for any questions or concerns about migration of existing facilities and for new requests.

Cheques

Managing your current Cheque stock is important. Find out about ordering new checkbooks.

Will Scotiabank cheques still be valid?

As of January 23, 2023, all cheques will be printed with ECAB’s routing number 00000071.

Existing Scotiabank branded cheques and cheques bearing the Scotiabank routing numbers (60335002 and 18325002) will be honored until July 20, 2023. However, we ask that you limit your reorder quantities of cheques with the Scotiabank routing/transit numbers to last no longer than January 2023.

How do I order cheque books?

As of January 23, 2023, you can place your cheque book orders via the online/mobile application or in branch. The new routing number for cheques is 00000071.

You may continue to order your personalized or commercial cheques from Moore Paragon. The current process for placing orders remains in place or you may email mpccustomerservice@rrd.com for customized cheques (company branded cheques) or make the request via ECAB branches.

Customers who intend to continue to print their own cheques are asked to write to the bank advising of this and to provide five sample cheques for testing before proceeding to print cheques with the new routing number. Cheques should comply with the Canadian Payments Association Standards 006.

Banking Services

Integration will change some banking services like in-branch card swipe and banking fees. Find answers to your questions below.

Can I use my new debit card in-branch to perform transactions?

Due to a delay in the implementation of our Card Swipe feature, you must complete vouchers when completing in-branch or drive-thru deposits, withdrawals or other transactions until we finalize the Card Swipe implementation. Our vouchers are easy to use and will allow you to complete your transactions quickly and efficiently. For more information on how to complete the vouchers, please view our help videos via the Integration Hub on our website or ask for guidance in-branch.

Are there changes to ordering Foreign Drafts?

With the exception of Canadian (CAD) drafts, you may continue to purchase or negotiate foreign currency drafts (GBP, EUR and USD). An alternative to CAD drafts is CAD wire payments. Same day draft collection will become available in branch as of January 23, 2023 . Drafts can be ordered through our MOREBanking platform.

Will there be changes to Banking Service rates and fees?

Commencing January 23, 2023, rates and fees will be adjusted to reflect ECAB’s current products, interest rates, fees and charges. Please visit the Integration Hub section to view ECAB’s product conversion guide and our schedule of fees and charges.

Will I be able to access my previous bank statements?

All customers are encouraged to download and save statements from your current online application up to January 20, 2023 as there will be a delay in the availability of historical statements. Historical statements will be available by March 31 2023.

How will my Scotiabank standing orders be affected?

Your standing orders will automatically be migrated and will continue uninterrupted. ECAB fees and charges will be applicable from integration day.

In anticipation of the completion of the integration of former Scotiabank accounts into our portfolio, it is imperative that you advise us if you wish to discontinue your existing standing orders between legacy ECAB and former BNS accounts. If you wish to discontinue your existing standing order arrangement, please visit the branch and complete the Standing Order Cancellation Form. If you wish to continue with your existing standing orders, then no action is required. Your standing order will be converted to an internal transfer.

Will I still be able to access my safety deposit at my usual branch location?

Yes. Former Scotia customers will continue to access their boxes as customary. In order to facilitate the smooth process of rental fees and to avoid suspension of access, all customers with safe deposit boxes and/or night bag services are required to hold an active corresponding deposit account with sufficient available funds to allow for the automatic processing of annual rental fee payments which are due by the 2nd of January of each year.

Will I be able to make Night Deposits from January 23, 2023?

Yes. Night deposit holders can continue to make deposits at their customary branch location.

Will I still be able to perform CMS and Bulk Disbursements/Payroll Transactions

Yes. We are pleased to advise that we will be migrating your online services to our MOREBanking platform from January 23, 2023. This will include migration of the following Cash Management Services:

  • Third-Party Transfers
  • Bill Payments
  • Single Payments/Disbursements – One Time or Scheduled reoccurring payments
  • Wire Transfers (USD/EUR/GBP/CAD)
  • Electronic Funds Transfers (XCD)

Please note that cross currency transfers will no longer be available but can be requested via the Secure Message Centre within the MOREBanking application.

For processing Bulk Payments/Disbursements such as payroll, we will give you access to our ACH Payment Processing application. In preparation for this you will be invited to attend a demonstration of this application after which we will assign an officer to assist you with completing the application form and provide you with access to commence setup/transfer of payment details for your current payees. Please call 480-5367 to register for a general demonstration session.

Merchant Services & Payroll

Will there be any changes to Merchant Services?

All former Scotiabank point-of-sale terminals will be replaced or upgraded prior to integration. However, if your terminal has not been upgraded by January 13, 2023 or you have any questions, please contact our Card Services Department at 736-3222 or CardServices@ecabank.com.

Fees

Will there be changes to rates after integration?

Commencing January 23, 2023, with the exception of loan and time deposit interest rates, your banking products, rates and fees will be adjusted to reflect ECAB’s current products, interest rates, fees and charges. Please visit the Integration Hub section to view ECAB’s product conversion guide and our schedule of fees and charges.

Kindly note that as of January 23, 2023, an NSF charge of $75.00 will be applied to all cheques written against accounts with insufficient funds. The charge will be applied whether the cheque is honored or returned.

Stopped Services

Debit Card Swipe In-branch Transactions

No. Unfortunately, due to a delay in the implementation of our Card Swipe feature, we must ask you to complete vouchers when making in-branch or drive-thru deposits, withdrawals, or payments until we finalize the Card Swipe implementation. Our vouchers are easy to use and will allow you to complete your transactions quickly and efficiently.

Scotialine

All customers with the Scotialine product will be issued a Visa credit card as the Scotialine product is being discontinued. Your Scotialine will now only be accessible via your credit card. Transfers from your card account to your deposit account can only be completed by withdrawing cash via the ATM and depositing funds to your account. If you have questions or concerns about the transitioning of your Scotialine, or if you wish to close your card account and apply your limit to a current account with cheque writing or debit card privileges, please call 480-6090.

Cross Currency Transfers

Please note that cross currency transfers will no longer be available but can be requested via the Secure Message Centre within the MOREBanking application.

Cash Back

While we are committed to giving you convenient banking options, the Cash Back service will be unavailable as of January 23, 2023. However, we take this time to remind you that cash and ECAB cheques deposited at our ATMs before 1:00 p.m. on business days will be processed and credited to your account on the same day. Non-ECAB cheques will be made available on the 2nd business day after being deposited at the ATM.

Help Videos

How To Videos

In-Branch Vouchers - Customer Withdrawals

In-Branch Vouchers - Customer Deposits

In-Branch Vouchers - Third Party Payment Deposits

MOREBanking Peer to Peer Payment

MOREBanking Merchant Payments

MOREBanking EFT Payments

Commercials

ECAB MOREBanking

ECAB Alternate Banking Channels

The Power of You

ECAB Your Financial Partner for Life

Security Tips

ATM Security Tips No. 1

ATM Security Tips No. 2

ATM Security Tips No. 3

Contact Us

We are here for you to make this process easy for you. We stand ready to provide you with service of the highest standard.

How do I contact the Bank?

As of January 23, 2023, customers may contact our Customer Support & Digital Banking Centre.

  • Telephone: 480-6186 / 7
  • Email: info@ecabank.com
  • Please note that the former Scotia Contact Centre numbers will not be available from January 23, 2023.