Scotia debit card: My mistake | Credit line card | Credit card

Jan. 27, 2022

I chose to use scotia bank debit card instead of credit card to pay my grocery, so that I got charged $7.5 for service fee. I just figured out. The reason I made mistake is that I got credit line credit card, so that I thought that it is my new credit card, but I failed to pay grocery, so that I used a few weeks for my grocery using debit card instead. 

Message:Response to your message of January 25, 2022.

Jan. 26, 2022

Dear Jianmin,
Thank you for taking the time to contact Scotiabank. We hope you and your loved
ones are doing well. We appreciate the opportunity to assist you with your
monthly fee inquiry.

Upon a review of your account, our records indicate your account ending in 420
is a Powerchequing and it has a monthly fee of $6.95 per cycle due to the
following benefits:

? 12 self-service or teller-assisted debit transactions per month or statement
cycle.
? Ten free Interac e-transfers
? Monthly fee automatically waived when a minimum daily balance of $3,000 is
maintained for the month or statement period.

Note: If during the cycle, there are more than 12 debit transactions, but the
daily closing balance was maintained, the system will charge an additional fee.
The fee per transactions is $1.25.

Our records indicate in your last cycle (from December 23rd to January 22nd)
you exceeded the 12 debit transactions, you made 18 and for that reason and
additional fee was charged per transaction (6 additional charges * $1.25 :
$7.50).

We kindly advise you to do not exceed the 12 debit transactions. Alternatively,
you can switch to an account that gives you unlimited debit transactions such
as the Preferred Package chequing account in which the monthly fee is $16.95.
This account has a monthly fee due to the following benefits:
- Unlimited debit transactions and e-Transfers
- Fee waived on one non-Scotiabank ABM withdrawal per month in Canada
- No monthly account fee by maintaining a minimum daily closing balance of
$4,000 for the entire month

If you would like to switch the account, please proceed as follows:
Online:
1. From your Accounts page, select Manage My Accounts
2. Select Additional Services
3. Go to Day to Day Banking and select Change your account type
Scotia app:
1. From the app?s Home screen, tap the account you?d like to change
2. Tap Manage
3. Tap Change account type

Alternatively, you can contact the number listed below and one of our
representatives can assist you making the account type switch.

Note: To get more information about the type of chequing account we offer,
please visit the following link:
https://www.scotiabank.com/ca/en/personal/bank-accounts/chequing-accounts.html


Should you have further inquiries, you are welcome to write back or call the
Contact Centre. Our Representatives are available 24 hours per day within North
America at 1-800-472-6842 or from outside North America call collect at (416)
288-3899.

Thank you for choosing Scotiabank. We value your patronage and look forward to
assisting you again in the future.

Sincerely,

Sarid A | Customer care advisor
Scotiabank | P.O. Box 4100, Postal Station ?A? Toronto, Ontario. M5W 1T1
Scotiabank.com
Scotiabank is a business name used by The bank of Nova Scotia

On 1/25/22 2:04 PM, @solinbox.bns wrote:
> January 22, 2022 Service Charge
> MONTHLY FEES
> 7.50
> 
>
> I like to get detail about this monthly charge on my checking account. Can
you help me figure out what it is about and how to avoid the service charge?
jianmin chen
>