Scotiabank woes

I have been using a ETrade debit card since they first offered it years ago( they really monitor the account- we landed in London early and decided to get enough money to last a couple of days and in less than 5 minutes I had a call from ETrade about the transaction). Really simple, just open a money market account and you can use checks or dc( ETrade offers 2 savings account options). I use checks at my bank for there is a transfer fee if I transfer from ETrade to my bank using the bank transfer option, but no fee if I do transfer by ETrade, the problem is the time frame when the money shows up in my local bank account.