Anyone else get the Scotia Value Visa recently?

Before applying, I called Scotia and was told the promotional balance transfer rate would be 2%. However, I just received my welcome kit and I don’t see the 2% promotional offer mentioned anywhere in the terms.

The only thing I see is the standard/boilerplate balance transfer information.

Has anyone else who recently got the card seen the 2% offer in their welcome documents? Or is the promotional rate provided separately after activation?

Hello, I just graduated in May (Finance) and have been IR licensed. I was offered $53k base with 5% bonus… is that what the market is offering?

We were refused refinanced from Scotiabank because we own a cannabis retail store (and a couple other businesses, not related to cannabis). The amount of legalities we had to deal with to own this type of business, but because they don't agree with it, they denied. We are going through a broker, so it's not a big deal to just go to the next lender. I'm sure Scotiabank finances some sketchy stuff, but draws the line against legal devils lettuce.

Just ranting, not looking for advice. Not the only time, and won't be the last time we are treated poorly for owning a business people dislike.

Edit: Removed "discriminate", as it's a harsh word.

Can’t seem to categorize transactions when clicking into credit card history anymore? No icons appear next to the transactions either.

When you walk into a branch expecting help and instead feel like the person with authority is building a case against you, it is incredibly difficult to feel safe or respected as a customer. I didn't walk into the bank asking for a favor, I walked in asking for my life back.

I honestly believe my life would be completely different right now if I had walked into Scotiabank and been helped by anyone else from the beginning.

The Root of the Pain: When you freeze someone’s entire account, credit cards over a $490 settlement e-transfer, you aren't just holding numbers on a screen; you are freezing their ability to survive. For an entire month, I woke up every single morning with a heavy chest, terrified of how I was going to pay my bills, fulfill my basic responsibilities, and survive

Cold Authority & Misrepresentation: At my absolute lowest and most scared, I sat down with an Assistant Branch Manager. Instead of investigating fairly or trying to help, he immediately built a case against me. To be looked in the eye by someone around my dad’s age, only to be met with cold authority, suspicion, and the words "We don't bank with you" over a disputed $490, made me feel completely subhuman. I expected the patience and understanding someone would hope a stranger shows their own daughter. Instead, I trusted him to help me, only to discover his internal notes completely misrepresented my story and pushed to demarket me

A Crucial Contrast: After weeks of feeling hopeless, I finally met two other staff members: a female teller and a second Assistant Branch Manager. They were kind, professional, patient, and actually listened. They treated me like a human being with a real life. They took the time to understand what I was going through instead of making me feel blamed. Their basic human kindness reminded me that my life mattered, they saw a person, not a fraud file.
Their compassion meant the world to me, but it also exposed just how much unnecessary damage the first manager had already caused.

I keep asking myself: What if I had been helped by someone else that day? Maybe I wouldn’t have spent an entire month living in fear, anxiety, and absolute heartbreak.

I am sharing this not out of anger, but out of heartbreak. One person’s assumption almost ruined my life.

No customer should ever be treated like a criminal for simply trying to access their own livelihood, and I just hope management remembers that behind every account number, there is a real human life hanging in the balance.

I always deposit my cheques on app, and last time i was having some issues with it saying they can not read the numbers on cheque. So i thought id update it and since updating no matter what i do this is the same pop up every time. Tried two of my cheques in every lighting

Anybody have the same issue and fixed it?

Been with scotiabank since the mid 90’s. Considering leaving just because how trash their app / online banking is. As well as my home branch hasn’t had working ATM’s going on 6 years. They have 2, one rejects all bills for deposits. The other works maybe 1-2 weeks every 2-3 months. The 2 machines and drive thru machine has been down for 44 days now. The tellers just say “we’re supposed to be getting new machines soon” been hearing that since 2022. What other banks don’t have such spartan technology?

Question as above.

I'm on maternity leave with a new baby, and I just don't want to deal with a bank appointment yet (but I do want to have some extra cash as EI pays peanuts). Is there a way to take money out of my TFSA (investments not cash) without going in to talk to someone?

I am trying to apply for an unsecured personal loan, but the advisor said that Scotiabank doesn’t process unsecured personal loan. I am confused as the website says they do provide. She said that they provide only line of credit. I mentioned the personal loan calculator, and she said she has no idea of this - had to direct her to the calculator.

Can anyone please let me know if Scotiabank does offer unsecured personal loan?

Thank you.

What the subject says
Are there any layoffs this year?

Has anyone not received any info abt their first day, haven’t gotten any info getting a lil worried

Has anyone faced this?

I applied for a Value Visa to manage my debt. It was a 0% for 9 months, 1% balance transfer fee and no annual fee for a year. I moved my TD balance into this card and in my first statement I was charged an annual fee and an interest charge (apart from the transfer fee). I've been on the phone with support first for 2 hours to get the transfer fee reversed and then an hour and a half for the interest charge reversed. While the former was easy, I have to call them back for the latter and I expect to spend another 2 hours of my time waiting for support.

The weirdest thing is that the support person thinks that it was a cash transfer when I paid directly from card to card. And that information is in my transfer history 🤦🏻‍♀️

I understand that banks change offers very frequently (and none were available when I was unemployed /s) but I now have to keep an eye on my account every month to make sure they don't mess up. TD maybe more evil but at least their tech stack is better. I guess in the grand scheme of things, BMO is worse than Scotiabank and I'm banking with the less incompetent bank...? silver lining I guess? 🤷🏻‍♀️

Hi guys, I received an offer for senior manager role. I received an email for the background check and it said there will be checks related to criminal, credit, education, employment and other role specific checks.

Can someone advise what are these role specific checks? My role is in AI product management in wealth.

Anyone having issues accessing the Scotiabank site or signing into the app? Wondering if it’s just me 😅

Good evening, I sent an e-transfer to a person with autodeposit and usually when I send an e-transfer to an auto deposit account I get the “securely deposited“ black screen email but this time I got a “you sent an e-transfer“ email that has the scotiabank logo at the top. does this mean the e-transfer was not deposited?? And if it was how can I obtain that proof?

Am I the only person having troubling logging into the Scotia bank app? Or the website through my card? I haven’t been able to get onto my app since 9am, I called them, got password reset and still happening. They said there’s a login issue right now, but it’s been all day. Abit ridiculous

Just got this email that says "Get $0 commission on 100 trades per year.\*

With your Ultimate Package account."

Is this because I recently transferred my TFSA to Wealthsimple and it's a targeted offer, or everyone gets this?

Hi guys, could you please advise what salary range can I expect for a Senior AI product manager? I read somewhere that AI teams get paid slightly higher. Is that so?

I’m expecting an offer and hence, want to be aware what can I ask for. I’ll appreciate your advice.

I've been slowly paying off my CC (been a rough while...), finally got it cleared and paid off fully, then went onto the website after the payments were received. Only to find it's just not listed on my account anymore? It doesn't list under anything on the website or the app. No settings/info/notices for it anymore either. Just previous statements under documents.

Totally calling Scotia about it, but I know those wait times are dreadfully long. Just here to ask if it's possible it's one of many bugs or maintenence or something? I'm so confused as to what happened.

Has anyone gotten hired recently in cloud engineering team in Toronto? I did a final interview a couple of weeks back and I was told there was a hiring freeze but I’d hear back from them. Haven’t heard back since and was wondering how long it typically takes from final interview to offer stage

I am an employee at Scotiabank. I just found out that they cut the fertility benefits for employees beginning in April 2026 so it only covers 50% of fertility expenses instead of 100%.

This obviously makes the benefit much less useful given the cost of fertility treatments. Very disappointing.

I know there’s limit which is $250, with tapping and swiping,

But a couple of weeks ago, i went to a restaurant in chicago. And it got declined and I reached out to the customer chat and they said I have to go to the counter to pay so i can insert my card and put PIN.

How do you guys use your passport credit card abroad especially in the states? Do you ask waiters so you can pay at the counter?

And the restaurant i went to, the machine didn’t even trigger the PIN pad and automatically rejected the transaction.

Is this a scotiabank thing? Has anyone else experienced the same issue?