bank accounts
Mar 20th 2007, 4:52 pm
#17
Thinking the unthinkable.
Joined: Mar 2005
Location: Guelph, Ontario
Posts: 2,136
Re: bank accounts
I love people who don't fit the stereotypes.
Bring on the anarchy I say........but wait 'til I've had my fun with capitalism please.
Mar 20th 2007, 5:20 pm
#18
Lost in BE Cyberspace
Joined: Jul 2006
Location: Cochrane, Alberta
Posts: 7,861
Re: bank accounts
As we haven't landed yet i cannot really say too much about the Canadian banking system but having read many many threads on here i am ready to be dissapointed.
That said we opened an account on a recent recce trip and found the branch very helpful and accomodating. They tried to give us an appointment later in the week and we said no can do we will be on our way home and hey presto they fitted us in that day. Had a long chat with our "personal banker" who was great and left an hour later holding our account details and swipe cards.
I will say that it was a refreshing change not to see glass screens up between the staff and customer which seems to be standard practice in all banks, building societies and post offices over here.
That said we opened an account on a recent recce trip and found the branch very helpful and accomodating. They tried to give us an appointment later in the week and we said no can do we will be on our way home and hey presto they fitted us in that day. Had a long chat with our "personal banker" who was great and left an hour later holding our account details and swipe cards.
I will say that it was a refreshing change not to see glass screens up between the staff and customer which seems to be standard practice in all banks, building societies and post offices over here.
I may be in a minority - but I've never had cause to complain about my LloydsTSB account either. I've found virtually everyone to be helpful and 'human' when I've needed it. Maybe rare indeed.
Mar 20th 2007, 5:24 pm
#19
Lost in BE Cyberspace
Joined: Sep 2004
Location: Windsor, ON; Chicago, IL
Posts: 6,713
Re: bank accounts
I was also happy with PC Financial until I tried to make my first deposit - they wouldn't accept my cheque because it didn't have my address pre-printed on it (!).
Mar 20th 2007, 9:24 pm
#22
Joined: Oct 2004
Posts: 7,715
Re: bank accounts
Yes, but mine is limited in that I can't do a freeform transfer to a random person with an account at another Canadian institution. You can only choose from a dropdown list. It's fine to pay Rogers, Enmax, TIPP etc - but don't try and transfer money to your OH who's with another bank, no go.
Mar 21st 2007, 2:50 am
#23
Joined: Feb 2007
Posts: 3,020
Re: bank accounts
Slight change of tack here, but probably not worthy of a new thread. I vaguely remember someone advising NOT to put your SIN on a credit card application if you're a temporary resident as that big fat 9 at the start of it marks you out as some kind of transient who's not to be trusted. Or will it just mean they won't be able to find any information on me at all? We arrived on Jan 4th, so I don't know if we'll have any kind of credit history yet.
Mar 21st 2007, 12:34 pm
#25
Moderαtor Emeritus
Joined: Sep 2003
Location: Upstate South Carolina
Posts: 30,768
Re: bank accounts
Slight change of tack here, but probably not worthy of a new thread. I vaguely remember someone advising NOT to put your SIN on a credit card application if you're a temporary resident as that big fat 9 at the start of it marks you out as some kind of transient who's not to be trusted. Or will it just mean they won't be able to find any information on me at all? We arrived on Jan 4th, so I don't know if we'll have any kind of credit history yet.
Mar 21st 2007, 2:14 pm
#26
Joined: Feb 2007
Posts: 3,020
Re: bank accounts
Sure, we've got no expectations of getting actual credit; we're more interested in being able to get something with a useful limit on it without having to put down 200% of the limit; hopefully 100-125%.
Mar 21st 2007, 2:56 pm
#27
Lost in BE Cyberspace
Joined: Sep 2004
Location: Windsor, ON; Chicago, IL
Posts: 6,713
Mar 21st 2007, 2:59 pm
#28
Moderαtor Emeritus
Joined: Sep 2003
Location: Upstate South Carolina
Posts: 30,768
Re: bank accounts
I recall doing that a long time ago...but the fees were the problem, its not like paying a bill where the transfer is free? Maybe Im thinking of something else?
Mar 21st 2007, 3:18 pm
#29
Lost in BE Cyberspace
Joined: Sep 2004
Location: Windsor, ON; Chicago, IL
Posts: 6,713
Mar 21st 2007, 7:43 pm
#30
BE Forum Addict
Joined: Apr 2005
Location: The Republic of Bacon
Posts: 3,192
Re: bank accounts
It's once they've got you and you've opened up all sorts of money spinners (for them) that they start to screw you, because changing banks is such a huge hassle and most people won't bother or just don't get around to it. We've done it twice before already just for more of the same.
Very timely thread - literally just got off the phone from another barney with BLOODY "TD Canada Trust no-one". Bast**rds - they make it up as they go along!! GGGRRRRRRR!! They are really p*ssing me off lately. but are they bovvered? :curse: :curse:
(To be fair - they were absolutely GREAT to us when they were just "Canada Trust", before the "TD" got tacked on the front!! No problems at all back then; and nothing but aggro since. Sigh....)