Scotia STEP HELOC activation question surfaces online. A user reported difficulty accessing their newly opened HELOC within the Scotia STEP mortgage product through online banking, noting the account did not appear as a withdrawal option. The individual questioned whether physical card activation is required before funds can be accessed digitally. Notably, they successfully withdraw from an unsecured line of credit without activating the associated card, suggesting inconsistent platform requirements. This raises questions about Scotia's HELOC accessibility procedures and whether customers face unnecessary delays in accessing available credit through digital channels compared to traditional methods.
