There is a reason why this bank has over 90% bad reviews. This bank has gone down to the level of criminality. They do not serve customers any more, they only harm them and harass them. And each of their managers are trained just to do that. They harass and bully their customer and even can commit crime against them as did Ms. Melanie Lopes, Scotiabank manager in Toronto. She is an enemy to her customers, not a friend. Literally. She actually deliberately destroys her customers financial futures to satisfy her egos. Be aware of this lowest form of human excrement on this earth.