They are a $#*!ing disaster and joke of a bank. Do not even go near them. They could care less and have not one $#*!ing clue what they are doing. Their cards do not work they are $#*!ing Scotia Bank which means Scotia bank is a piece of $#*!. Their online banking platform is complete $#*!. You cannot deposit. You cannot withdraw their $#*!ing VISA/Debit is crap and doesn't work. WHAT THE $#*! IS WRONG WITH THIS PEICE OF $#*! BANK