maGIC said
https://www.scotiabank.com/ca/.....unt.html 

The devil must be in the details - YMMV.

Norman1 said

The explanation given was there is $0 commission on fixed income buy orders that are both (a) for $25,000 face value or less and (b) for items that mature in 89 days or earlier.

No official documentation of this. But, I placed an order for some bonds that met those two conditions. Estimated commission shown was $0.00. The order filled and the confirmation slip showed no commission charged. 🙂
…

Scotia iTRADE is still unofficially waiving their $1 per $1,000 bond commission on small buy orders of bonds maturing within 89 days.

Hubble said
Just noticed what I think is new offering from Scotiabank . A tiered HISA that is currently showing rates. Claims " Coming soon in April 2026"

$0 - $9,999....0.00%
$10,000 - $99,999....1.00%
$100,000 - $249,999....1.75%
$250,000 - $499,999....2.00%
$500,000+....2.25%  

Why would someone consider these options (unless you have $500,000+ to invest) when one can get 2.2% interest on a DYN6004 savings account through Scotia iTRADE?

Hubble said
Just noticed what I think is new offering from Scotiabank . A tiered HISA that is currently showing rates. Claims " Coming soon in April 2026"

$0 - $9,999....0.00%
$10,000 - $99,999....1.00%
$100,000 - $249,999....1.75%
$250,000 - $499,999....2.00%
$500,000+....2.25%  

It's better than what CIBC and RBC is offering for their HISA.

CIBC tiered from 0.30% to 0.60%
RBC all balanced 0.550%

I do hope CIBC and RBC will follow these rates.

"Money Market mutual fund like BMO95142 in an investment account which is currently in the 2.3% range."

So, we're in the 2.25%-$2.30% range now.

cgouimet said
Other than a short term resting place between the sale of one property and the purchase of another, I don't know why I'd ever want that much sitting in a HISA vs a GIC ladder at 3.5% for 2x the interest income.  

Scotia Bank is offing better Tiered HISA rates at Tangerine. So that would be an improvement but still less than a GIC ladder.

As for CDIC, $500k in a single CDIC client/category would be OK with me for the big 6 and their offsprings and perhaps a few others like EQB and Oaken ...

COIN said

Once your balance exceeds $500,000 do you get 2.25% on the full balance or only on the excess over $499,999.99?  

I can't see them applying and paying 5 different interest rates on a 500k+ deposit.

Hubble said
Just noticed what I think is new offering from Scotiabank . A tiered HISA that is currently showing rates. Claims " Coming soon in April 2026"

$0 - $9,999....0.00%
$10,000 - $99,999....1.00%
$100,000 - $249,999....1.75%
$250,000 - $499,999....2.00%
$500,000+....2.25%  

Once your balance exceeds $500,000 do you get 2.25% on the full balance or only on the excess over $499,999.99?

JohnnyCash said

Would that be an improvement on Simplli's and Tangerine's tiered rates?  

None of them that attractive ....

Hubble said
Just noticed what I think is new offering from Scotiabank . A tiered HISA that is currently showing rates. Claims " Coming soon in April 2026"

$0 - $9,999....0.00%
$10,000 - $99,999....1.00%
$100,000 - $249,999....1.75%
$250,000 - $499,999....2.00%
$500,000+....2.25%  

Would that be an improvement on Simplli's and Tangerine's tiered rates?

$0 - $9,999....0.00%
$10,000 - $99,999....1.00%
$100,000 - $249,999....1.75%
$250,000 - $499,999....2.00%
$500,000+....2.25%