Although Scotiabank TV ads claim that customers rate the bank's online services the highest in Canada, my experience is that the service is just so-so. The ATM machines have complex or poorly designed screens and the machine gives cash before the customer withdraws the card, resulting in cards that are frequently left in the machine. Moreover, the online service and ATMs are often out-of-order resulting in repeated attempts/visits. Security for online services, including that provided by third parties, is excessive and frustrating. For example, I cannot reorder cheques online because my last order was two years ago. If there was a problem with my account, I am sure it would have shown up before now. I have to visit a branch to reorder--brilliant idea with COVID! The best thing the bank has done for customer service since the good old days when you had to visit the bank for everything is to increase their opening hours. Online service is too unreliable; at least with banking hours there is some stability.