How to Get a Scotiabank Void Cheque for Mortgage Payments (Quick Guide)
If your mortgage lender’s asking for a void cheque from your Scotiabank account—no need to panic. It’s a straightforward step that takes less than five minutes if you’re using online banking or the mobile app.
In this quick guide, I’ll show you:
- Why your lender needs a void cheque
- Exactly where to find it in your Scotiabank account
- What to do if you can’t locate it
- And a couple of solid alternatives you can use instead
Let’s dive in.
Why Do Lenders Need a Scotiabank Void Cheque?
Think of a void cheque as your banking “ID badge.” It’s not about making a payment—it’s simply a quick way to confirm the key details of your account.
When you’re setting up a mortgage, lenders use this info to arrange Pre-Authorized Debit (PAD) payments, so your mortgage payments come out of the right account, automatically, every month—no manual transfers, no missed due dates.
A void cheque might look simple, but it packs in everything your lender needs to set up your mortgage payments properly:
- Your full name
- Your Scotiabank account number
- Your branch’s transit number
- Scotiabank’s institution number: 002
It’s a small detail in the grand scheme of your mortgage—but it plays a big role. It’s what allows your lender to pull payments from the right account—automatically, reliably, and without any hiccups.
Pro Tip: Think of it as a ready-made snapshot of your banking details: clean, confirmed, and exactly what your lender needs to get things moving.
Where to Find Your Scotiabank Void Cheque Online
No need to dig out an old cheque book—Scotiabank lets you access everything you need online in just a few clicks.
Look for the section labeled: “Direct Deposit / Pre-Authorized Payment Information”
You can get to it through:
- Scotia Online (on your desktop or laptop)
- Scotiabank Mobile App (on your phone or tablet)
How to Download Your Void Cheque (Desktop Version)
Using a computer? Here’s how to pull up your Scotiabank void cheque in just a few minutes:
- Log in to your Scotia Online Banking account
- Click on your Chequing Account from the account summary
- Look for and select “Direct Deposit / Void Cheque Info”
- A PDF will appear with:
o Your full name
o Account number
o Transit number
o Institution number (Scotiabank’s is 002) - Just download or print the PDF and send it to your mortgage lender
How to Find It Using the Scotiabank Mobile App
Need to grab your void cheque on the go? You can do it right from your phone in just a few taps:
- Open the Scotiabank app and sign in
- Tap on your Chequing Account
- Look for “Direct Deposit Form” or “Void Cheque Info”—that’s where you’ll find the PDF with all the details your lender needs”
- From there, you can view the PDF—and choose to email, download, or print it directly from your device
Can’t Find It?
If the option’s not showing up, don’t worry—here are a few quick things to check:
- Try using Scotia Online on a desktop—some features are limited in the app
- Make sure you’re in a chequing account, not a savings or credit card account
- Still stuck? Give Scotiabank a call at 1-800-4SCOTIA—they’re usually quick to help
Prefer an Alternative?
If you can’t access a void cheque, no problem—there are lender-approved alternatives:
- A Direct Deposit Form from Scotiabank
- A Pre-Authorized Debit (PAD) Agreement Form
- A letter from Scotiabank confirming your banking details
All of these include the same critical information and are typically accepted for mortgage setup.
You can request these via:
- Online banking
- Visiting your branch
- Calling customer service
Get Set Up and Stay on Track
Getting your mortgage payments set up properly from the start saves you stress later on. A Scotiabank void cheque (or PAD form) ensures everything runs on autopilot—no missed payments, no awkward surprises.
Still figuring out your next move? At Red Key Mortgage, we help clients navigate every step of the process—from rates to paperwork.
Talk to a Mortgage Expert. Let’s make sure your mortgage (and your banking details) are set up the right way.
Want more insider advice like this? Grab your free copy of the free 2025 Home Buyer’s Guide packed with tips to help you buy with confidence you need to know if you’re buying your first home.
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