Erik,

I have had problems with Scotia and their system. They also do not communicate well with the banks.  I have rrsps in the account and cannot trade until they top just to save the fee. They want $900 for level 2, streaming but you can get more for less elsewhere. 

I have transferred my cash account to CIBC but it take a long time. The holding bank can hold your funds  for 27 days or something foolish.

Don