r/Scotiabank

My partner who is a secondary cardholder on my Scotiabank Passport Infinite account logged into Visa Companion App and the account status was listed as "suspended".

The Visa account is in good standing and my partner had visits available in the past.

Contacted them and this is the response I received just now:

>Hello XXXXX,
 
Thank you for contacting the Dragonpass Customer Support Team regarding the issue you are facing with your suspended membership.
 
We are sorry to hear that your membership was suspended and understand your concern. We are committed to assisting and providing clarifications.
 
Please be informed that if your Scotiabank Passport™ Visa Infinite* Card is a secondary card and not a primary card, this is the reason you have noticed the suspended status. Visa suspended these cards, and they are not eligible for the program.

We hope this clarifies your inquiry. Should you require any further assistance, please do not hesitate to contact us.
 
Kind regards,

I have a question. I have a scotia gold visa passport card. Can I make payments through Pre-auth payment, from my RBC bank, because on the scotia bank website, I did not find the option to add a third-party account

Stopped payments 2 weeks ago, requested voluntary surrender, but they refused. Speaking with a Licensed Insolvency Trustee who said repossession will eventually happen, but the bank only mentioned legal/collection process.

Main concern is timing + insurance cost 600$.

How long does repossession usually take after refusal?

Is there anything I can do to make them pick up the car faster without making my situation worse legally?

If the bank refuses to pick up the car, what are you even supposed to do with it?

Can a trustee actually help push the lender to take the vehicle sooner?

Any real experience with Scotia Dealer Advantage in Alberta?

I’m looking to get buy 100 x 1$ bills does Scotia bank do that ?
If not were would someone be able to buy that ?

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?

For the Ultimate Package, Scotiabank changed the account fee waiver conditions on March 20, 2026. To get the waiver, you now need either a $6,000 balance in your chequing account or a $100k total relationship balance (which includes chequing, savings, GICs, and mutual funds across both registered and investment accounts).

If you have $6,000 in the chequing account, the fee isn't charged at all. However, if you qualify via the $100k total relationship balance, they charge the fee first and are supposed to refund it within 10 business days.

Since they implemented this change, my fee is not being refunded automatically (I qualify under the total relationship balance), and I have to manually contact them to ask for the refund.

Is anyone else experiencing this? It’s incredibly annoying to have to chase them down every month.

#Vent don't know how anyone can deal with call center reps from Scotiabank. They seem to have moved their call centres to South America and impossible to understand their accents. Maybe they use AI to make it easy for us to understand. So frustrating .

Hi everyone, I’ve tried searching but I’m seeing conflicting info so I was hoping to get some clarity.

I made an online Aritzia purchase that I need to return for an outfit I need by Wednesday. If I return it in-store, will the refund be processed immediately back to a Visa Debit card, or does it usually take a few business days to show up?

Just trying to figure out if I can rely on the funds being available quickly or if I should plan to exchange instead. Thanks in advance!

I am just curious to see if any current or past financial advisors that worked at the bank could provide some insight on what to expect salary wise for someone starting as an FA.

I currently work as a CEA, and have both a University degree in Finance and completed CSC.

I have heard numbers like $51,500 and to me that seems pretty low so I was wondering if that’s a set number or if my background could help me negotiate at least a slightly higher salary.

I cleared the interview for CEA role with Assistant Branch Manager and Customer Experience lead and I also got the verbal offer.

So now the recruiter called me to schedule the interview for the same branch and role.

What kind of question I should expect?

My ex is not being cooperative and refuses to close joint account with me while overdraft stays.

Whats the process for this if they refuse? I will pay the overdraft if I have to.

Hey everyone, I currently have two RRSP accounts and a newly opened FHSA account with Scotiabank. Today, I went to transfer money from my chequing account into my FHSA account, but I realized that none of my investment accounts populate as a transfer option. Do I need to contact my FA every time I want to transfer funds? Or does anyone know why this would be happening?

Has anyone experienced Scotiabank depositing several thousand of your dollars into someone else’s account? Did you ever get your money? If so, how long after opening the initial case did it take to get your money.

I let the bank know about it on March 25th and they said 20-30 days. I waited 30 days, no money, so I called back, and the only update I got was that a letter was sent to the other account holder on April 19th. I’m losing all hope at this point.

Is it a requirement to work for Scotiabank to be incompetent. They keep calling every few months me telling me i owe them money on my car and i have to correct them telling them i payed it already then they immediately back off and do it again later. Or they just dont take my payment then call asking for it. Im swapping banks asap

Hi, I interviewed for Scotiabank last Monday on May 4th (interview not just the pre-screening interview and coffee chats). I think it went pretty well but anyone know when I should expect to hear back for a decision? Would be helpful if anyone who has interviewed or gotten an offer or had a similar experience, could give me some info on their recruitment process.

I think Scotiabank should have phone surveys. They would be better and more efficient. I can’t keep checking my email forever waiting for the survey to arrive. Phone surveys are faster, like the ones other banks use.

Had my etransfer disabled due to a false fraud claim, now my account is active again but e transfer is still frozen. The branch that I dealt with which is my home branch, is completely useless. They don’t answer calls or respond to emails.

What should I do to get it re activated?

I think it’s time to push the idea of unionizing. For starters, I’m a conservative. I wish this weren’t even a discussion, but it seems that support staff in most TD office roles are criminally underpaid and overworked.

Middle/upper management are inefficient, and incompetent, while many of the high earners in the company are boomers who have been in the industry for 20+ years yet seemingly have no idea how to use technology or adapt to any new processes. I understand ever since the 3B fine there are far more compliance procedures in place and I understand the reasoning of why they are in place. That being said the result of new systems, more strict procedures, and greater regulation directly impacts the workload of support staff and the low-mid earners at the firm, while the higher earners sit back behind an office desk complaining about every process while the team below them does all the work and they earn $300k + a year.

Pulse is a joke, they don’t care about any of us. We get emails from the CEO about how great the firm has done, while we can’t fill our gas tank. I’d like to remind everyone that the poverty line after tax is approx $30k a year or $2500 a month. How are we working for one of the biggest and supposedly most respected companies while living on or just above the ******* poverty line.

I understand that there are huge obstacles in place as the unionization would likely have to be federal and involve very sophisticated organizing. I also don’t know exactly how the bargaining units would work. Is our bargaining unit our office? or is it everyone who has the same role across Canada. (Example are all commercial banking associates across canada in the same bargaining unit?) (I don’t work in commercial banking, just an example). I assume this would be different for retail vs office roles.

I am curious to know if this feeling is shared across the board, because as someone who’s working for TD for about 6 years, it feels like this firm doesn’t care to retain talent or compensate people fairly, they would rather plug and place when someone quits as it’s cost effective. I’ve been promoted, so this is isn’t hate for the sake of hate, I see many incompetent workers who can’t even speak the language getting promoted to roles or getting hired for roles from OFI that they have no business touching because the firm loves suppress internal growth. The big picture isn’t being looked at, people are lazy and there is little incentive to do a good job. (I work hard because it’s ingrained in my European immigrant belief system and it’s all i’ve ever known). I can understand how people give up after so long and just punch in and punch out because they realize TD doesn’t give a fuck about them and they suffer from a sunk cost fallacy and just try and push through to retirement and get a nice pension.

I always thought unionization was crazy, but the more I talk to people in similar roles in both my district and other districts, the more I see people agree with my views.

I’d love to talk to those who feels similar, or has any expertise in unions and what it would look like to get this process started.

Change starts and ends with the little guys, we can’t expect anyone in a senior/executive position to due anything to make our lives and jobs better and more fairly compensated, all they care about are next quarters earnings report. We have technology and forums, reddit discord etc. to connect each other in ways we could never imagine. Nepal overthrew the govt via gen z discord ffs there’s no reason we can’t do the same.

For anyone who has every thought about making real change in the world, you are not alone. It starts with you.

I have a mortgage with Scotiabank that I requested to be converted to a STEP plan. The advisor who is helping me has been on the case for 2 months, with very infrequent communication and sometimes giving me wrong information about how HELOC works. I've been advised by friends to look for a mortgage specialist instead of a branch advisor. Anyone available to have a chat where I can give more information?