Firstly, you have to visit nova Scotia bank website and apply for gic account online. Fill out all the details ditto same as your passport. Then the bank will email you secure server login access. Open your email and go to given link and register yourself with same email address which you used previously. They will send your nova Scotia bank account number and instructions in secure email server. Its very important that the money should go from student own account not from parents or any others. For your concern about RBC canada account, i must say that if the account under your own name then call nova Scotia bank to confirm that can you transfer money from rbc to nova Scotia or not. The toll free number available on website and they will guide you on call.