Scotiabank vs CIBC Mobile Banking

Complete your everyday transactions with more ease, accessibility, and security — for banking that’s as flexible as it is fast. Key features include: Budgeting, insights, and advice Create a budget and reach your financial goals faster with personalized insights and advice from Scotia Smart Money by Advice+. Rewards your way View your Scene+ points balance and redeem your rewards right in the app. Mobile cheque deposit Take a photo of a cheque and deposit money quickly and easily into your account. TransUnion credit score and report Check your credit score with TransUnion as often as you want, at no additional cost and zero impact to your score. Barrier-free banking With features such as dynamic font sizing and VoiceOver compatibility, the app was designed with accessibility top of mind. Advisor access Book an appointment to meet with a Scotiabank advisor on the phone or in-person. Next-level security Data encryption keeps financial information safer, 2-step verification confirms your identity, and notifications help you stay on top of what’s happening in your accounts. Switch between Scotiabank apps Sign in once and navigate easily between the Scotia mobile banking app and the Scotia iTRADE app. Personalized support Find quick answers with the Scotiabank chatbot, and connect with a live chat advisor. Important disclosures By pressing the button above or by downloading the mobile app published by Scotiabank, you consent to the installation of this app and to future updates and upgrades. You can withdraw your consent at any time by deleting this app, or get instructions on how to remove or disable the Scotiabank mobile app by contacting us at the address below. The Scotiabank mobile app lets you manage, move, and monitor your money using your mobile phone. When you use Scotiabank’s mobile deposit feature, we will access your device camera to take a picture of your cheque; record the cheque number, account number, institution transit number, and amount; record your device model, as well as its iOS version and manufacturer. When you download or update this app, or when you apply for, enrol in, or use a service through mobile banking, we may collect information about your computer or device, operating system, internet connection or telephone account, settings, IP address and device locational data, and transaction data, as well as personal information. We may collect, use, disclose, and retain this information as set out in the Scotiabank Privacy Agreement (scotiabank.com/ca/en/about/contact-us/privacy/privacy-agreement.html) and to determine which settings are appropriate for your computer system, to provide or enhance digital functionality and banking options, and for security purposes, internal analysis, and reporting. Please note that this app gives you access to Scotiabank accounts held in Canada. For information about our services in other countries, visit scotiabank.com. Have questions about the app? Visit scotiabank.com/app or give us a call at 1-877-277-9303 (Canada/USA) so we can help. The Bank of Nova Scotia 44 King St. West Toronto, ON M5H 1H1

FIND IMPORTANT DISCLOSURES BELOW The CIBC Mobile Banking App has received the highest ranking in customer satisfaction in Canada, according to a 2025 study from J.D. Power. We’re always striving to make our app do more for you. FEATURES - Securely access your accounts with your fingerprint, face ID or password. - Receive one-time verification codes and push notifications securely. - Apply for bank accounts or credit cards and view your application status in real time. - Get a snapshot of all your accounts in the same place, anytime. - Use Apple Pay at payment terminals. - Set up instant, post-dated or recurring payments. - Deposit cheques in a flash — all you need is to take a picture with your phone. - Send and receive money instantly with Interac e-Transfer. - Quickly search for branches, banking hours, bank machines and mortgage advisors near you. - Receive your free TransUnion credit score directly in the app, without affecting your score. - Our Travel Tools feature a currency converter, helpful tips and emergency numbers for while you’re away. - Our Virtual Assistant is available 24/7 to answer your banking questions and is able to perform everyday banking transactions on your behalf. LANGUAGES Supports English and French PRIVACY Your privacy and security comes first. For more information, please review our privacy policy, which is available at any banking centre or online at https://www.cibc.com/privacy and tells you more about your privacy rights and choices. LEGAL By downloading the CIBC Mobile Banking App you consent to the installation of this App and to any future updates or upgrades which may be automatically installed depending upon your device or operating system’s default settings or the settings you have selected. The app (including any updates or upgrades) may: (i) cause your device to automatically communicate with our servers to deliver the features and functionality described in the app description or through new features as they are introduced, and to record usage metrics; (ii) collect, use and disclose personal information as set out in our Privacy Policy; and (iii) affect preferences or data stored on your device. You can withdraw your consent at any time by uninstalling this App. For assistance, contact CIBC at the mailing address below. CONTACT For your banking questions, please visit: https://www.cibc.com/en/contact-us.html. Telephone Banking: 1-800-465-2422 Address: CIBC Head Office, 81 Bay Street, CIBC Square, Toronto, Ontario, Canada M5J 0E7 Website: https://www.cibc.com