u/StrangeOrchid6960

Does anyone know what the cutoff time is for the daily minimum balance requirement on Scotiabank accounts for the monthly fee waiver?
I keep the required $6,000 minimum balance in my chequing account to avoid the monthly fee. Last night, an unexpected charge was posted and my balance dropped below $6,000 sometime overnight. I only found out when I woke up because the low balance notification came around 12:41 AM today.
As soon as I saw it this morning, I transferred money into the account to bring the balance back above $6,000. However, the banking app shows the transaction itself as posted with yesterday’s date, even though the notification came after midnight.
I’m wondering if this brief overnight dip would still trigger the monthly account fee or if restoring the balance first thing in the morning is usually okay. Has anyone experienced something similar or know how Scotia determines the daily cutoff/closing balance?

I recently bought two items from RONA under the same order number and financed the purchase through Affirm. I later decided to cancel the order. RONA told me the order would be cancelled, but only part of it was actually cancelled.

At the moment, one of the two items is still expected to be delivered and I may return it in-store once it arrives. The other item has already been cancelled.

My Affirm loan is still showing the original approved amount for both items. Should I contact Affirm now about the order change, or should I wait for RONA to update the financing on their end? Will RONA automatically notify Affirm and adjust the loan amount accordingly?