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Of course upgrading the card is free. You're Not really 'upgrading' anything. It's just another card with perks. They are trying to sell you something and you fell for it. No ones fault but yours. You could have said no
You are basically answering your own questions here. If Scotia can do everything you want and it's free, then go with Scotia. If tangerine is free and you don't want any perks on anything, just free across the board, then their you go. But as a business, they'll get you somewhere because they need to make money to survive.
If you don't want to keep any money at all because you want to invest all of it, then don't have an account at all. You're using a service, theirs a reason why they charge.
I've had a pc financial account before. Everything was free. It was all fine and dandy until I needed to get in touch with them or some emergency comes up and ueeded something to be done immediately.
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