The Globe and Mail reports in its Friday edition that Ellie Wilson, a 29-year-old Banff, Alta., resident, says she used to bank with Bank of Nova Scotia and CIBC, but was unhappy with the service and switched to Tangerine roughly four years ago. The Globe's Salmaan Farooqui quotes Ms. Wilson saying, "Honestly the customer service I have received from in-person banks really helped to push me on-line." Ms. Wilson now exclusively banks with Tangerine, a subsidiary of Scotiabank. At no point has Ms. Wilson regretted dropping her physical banks, and says the higher interest rates and better on-line experience are all better with her digital bank. Personal finance writer Jordan Kaye says she also considered going on-line-only. "I think more and more Canadians are asking themselves this as we see the continued rise of digital banks in Canada," said Ms. Kaye, who says the banking environment has changed considerably in the past five years, and digital banks now can do pretty much everything a physical one can do. However, she has decided to keep her Big Six bank for two reasons. The first is that she received a competitive mortgage rate and a signing rebate from a physical bank that requires her to have an account with it.