What Happens to Your Scotiabank Account When You Die
Quick Facts
Type
Canadian bank account
FBAR
Required if US person
Process
Estate documents required
Step-by-Step Guide
Contact Scotiabank Estate Services
Call Scotiabank Estate Administration at 1-800-267-9817. Provide the death certificate, probate documents, and executor ID. Accounts will be frozen upon notification.
Inventory all Scotiabank holdings
Request a complete inventory of all bank accounts, Scotia iTRADE investment accounts, RRSPs, TFSAs, and any Scotia Mortgage balances.
File FBAR if applicable
If the deceased was a US person with Scotiabank accounts totaling over $10,000, file FinCEN Form 114. Engage a cross-border tax advisor.
Document Now Checklist
- Scotiabank account numbers
- Investment and registered account details
- Approximate balances
- Mortgage or loan details
Last verified: June 2026. Platform policies may change. Verify current procedures directly with Scotiabank. This guide is for informational purposes only and does not constitute legal advice.
Related Guides
Social Security
Social Security must be notified of death immediately. Benefits paid after death must be returned. Survivor benefits may be available.
IRS / Tax Returns
A final individual tax return must be filed for the year of death. Estates over $13.61M may owe federal estate tax.
Veterans Affairs (VA)
Veterans are entitled to burial benefits, a headstone or marker, a burial flag, and Presidential Memorial Certificate — all at no cost.
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