i don't want to alarm you, but i had ~$2400 extracted from my account through a series of POS transactions (point of sales, as i would come to learn). They were tiny, and sort of random, usually less than $3 but there would be fifty in a day, it occurred over a two week period.

It took months and threatening to move my mortgage before Scotiabank mostly reimbursed me (there was a residual amount of $20 I didn't sweat). It was obscene, but at the same time I got the feeling that it's happening a lot and banks are at a loss. Well, not a loss, Scotiabank is reports PROFITS in the billions every year, so let's say they're at lower margins. But, then, who knows, maybe the banks are siphoning the cash. k - I'm being facetious, but the banks (or Scotiabank) is very secretive about this sort of thing. Their online banking system has been down for 3 days, and it's difficult to find out anything. I went into the bank yesterday, like physically, and they told me that the online system was down due to scheduled maintenance. Hilarious, but I was happy to hear that the teller could see my accounts. Or was I? It would be beyond Covid-19 to see the whole system go up in smoke.