Unfriendly & extremely long lines.
My family & myself has been using Scotia Bank for years and years... and despite their crappy attitudes, long lines and ridiculously short hours, I've stayed faithful to them until 2 things happened.
1. They start you off with minor/student accounts when you are a minor, but automatically move you to a savings account and charge you ~$8 per month for fees, without telling you. I was coughing up those fees every month without my knowledge
2. I was out of country for a while (more than 1 year) and didn't use my Scotia Bank account during that time - apparently, they kept collecting the monthly fees until my balance ran to 0. When I returned, I went to this branch (where I got my original account too), the person who was working told me "Your account is closed because your balance is 0" and then she took the card, and cut it up in front of me with a scissor. That's just rude. She looked at me like I'm piece of dirt and then moved onto the next customer. I switched to TD that very day, and have been a happy TD customer ever since. Any time people move into the area and ask me for advice on what bank to go for, I always point them in the direction of TD. Scotia Bank may have the most ATMs around, but they surely aren't going to win any awards in customer satisfaction.
Guess what? TD (at least the branches I've been to) have friendly staff, and hours that I can work with
I gave you 2 stars, instead of 1 just because of your location... and that's the only reason that you get 2 stars read more