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Thread: Which bank do you use?

  1. #21
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    so in reading the responses, seems like the majority of people are still using real brick & mortar banks.

    I guess its just RFD and money saver forums that are all up and about the online banks.
    I'll likely keep my PCF account but I'm gonna take a good look at BMO and TD

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    TD all inclusive is great. no fees with $5k balance. free cheques, drafts, small deposit box etc and awesome hours with many locations close to me. The only fee I've paid is the odd Email transfer fee few times a year.

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    Originally posted by Vmack
    so in reading the responses, seems like the majority of people are still using real brick & mortar banks.
    I was with Tangerine for a while and while I didn't mind it, waiting a week for a bank draft to come in the mail sucked. Ended up going back to TD simply because they're seemingly always open. I also really enjoyed First Calgary

  4. #24
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    BMO - typical personal banking(saving, cc, rrsp, tfsa, mortgage) and business account

    HSBC/National Bank/Scotia - travel/rainy day savings

    ATB - Business loan + business chequing account

    No monthly fee, and No annual fee for World elite M/C with $5,000 in chequing account.

  5. #25
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    I have found poor service at TD (been with them for decades and I am still sh*t to them ... poor, poor customer service since the final word comes from f'ing T.O.). I still have a business and personal account there ... and this is going to change ... will not go there ever again.

    In fact, very poor at CIBC and BMO previously as well ...

    In the US I had good service at Wells Fargo but I have moved back here ... and back to sh*tty service at the banks here ...

    Many years ago I had an account with Royal Trust (I think Royal BC bought them out eventually) and loved them ... but had to change to TD for the student loan ... ugh.

    I'm thinking Calgary First or some trust co. now ... but keep hearing horror stories from there too ...

    Canadian banking sucks it appears.

    R
    "I don't look for something; I find something" - Picasso

  6. #26
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    Originally posted by doomdealer


    I bank with PCF myself and your 'guy' had no idea what he's babbling about.

    It's definitely possible to get a bank draft from PCF through CIBC. It costs like $25 and takes about 1-3 business days. The process is a pain:
    Hmm guess if he was too cheap to use a real bank, he was probably too cheap to spend $25.00 to get a draft. Or maybe he didn't want to jump through the hoops. I'd probably say no too.

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    Am I only only one that uses Scotia?


    Free movies are alright.

    1994 Mustang - SBF swap in progress

  8. #28
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    Mainly RBC for day to day stuff
    Tangerine for savings / higher interest stuff
    Insurance Pro

  9. #29
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    Originally posted by NoPulp
    Am I only only one that uses Scotia?


    Free movies are alright.
    My wife uses Scotia, they are a joke to deal with on any serious matters. Without going into to much detail they are completely incompetent at every turn and do everything they can to try and screw her. Once she finalizes her name change paperwork etc. I will be getting her out of there ASAP.
    Last edited by killramos; 09-24-2015 at 06:49 AM.
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.
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    guessing who I might be, psychologizing me with your non existent degree.

  10. #30
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    Originally posted by reijo
    I have found poor service at TD (been with them for decades and I am still sh*t to them ... poor, poor customer service since the final word comes from f'ing T.O.). I still have a business and personal account there ... and this is going to change ... will not go there ever again.

    In fact, very poor at CIBC and BMO previously as well ...

    In the US I had good service at Wells Fargo but I have moved back here ... and back to sh*tty service at the banks here ...

    Many years ago I had an account with Royal Trust (I think Royal BC bought them out eventually) and loved them ... but had to change to TD for the student loan ... ugh.

    I'm thinking Calgary First or some trust co. now ... but keep hearing horror stories from there too ...

    Canadian banking sucks it appears.

    R

  11. #31
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    .
    Last edited by Cos; 12-28-2016 at 02:04 PM.
    Originally posted by adam c

    Line goes up, line goes down, line does squiggly things and fucks Alberta
    "The stone age didn't end because we ran out of stones"

  12. #32
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    Originally posted by DJ_NAV
    TD all inclusive is great. no fees with $5k balance. free cheques, drafts, small deposit box etc and awesome hours with many locations close to me. The only fee I've paid is the odd Email transfer fee few times a year.
    Also you get the fee wave on the aeroplan infinite card and a bonus 25,000 aeroplan when you sign up and charge 1k to the card within the first 90 days

  13. #33
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    Bump from the dead. I've been with TD for years now but they have the worst customer service I've ever encountered. I have RRSP over at RBC, a credit card at BMO, and my wife deals with CIBC and we've never had issues with them like we do with TD. The final nail in the coffin was when they increased my personal LOC's interest rate to "serve me better". When I asked about what extra services I get for that, or if there was a change in my credit rating to cause an increased rate they couldn't answer. Instead they tried to convert it into a lower interest loan.

    I'm thinking about moving my personal account, my business account, and a joint account over to RBC but was wondering who everyone is still banking with and what they like about them?
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    Meh, they all look like Jackie Chan to me
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    I'm generally cute.

  14. #34
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    Still with TD, with them 21 years 1996 ish customer. Had a mixture of banks during my 14-21 year old stage having TD, CIBC, HSBC, BMO accounts. TD came out on top for me, they also have the most easily accessible branches through out Canada I've notice, with longest hours.

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    Anything but Scotiabank. Useless fucks.

    RBC is still top notch in my books, across the board.
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

  16. #36
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    Originally posted by The_Penguin
    Go with a "real" bank. RBC BMO CIBC...

    I sold my Jeep GC to a guy who banked with PC.

    I said, "get a certified cheque", he said "can't".
    "Bank draft?" "Nope".

    "I'll write you a cheque, when it clears I'll pick up the Jeep."

    Took over 2 weeks.

    I'll pay a few $ a month to actually be able to do normal banking things.
    Strange... I'm with PCF and went to a CIBC branch, they gave me a certified check for the PCF account and they didn't charge me the $10 fee.

    This was a problem with the person and not the bank.

    Anyway, go with one of the top 5 if you like giving money away. By my calculations I've saved well over $3000 since I've been with PCF. I joined about two months after they started.

  17. #37
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    Been really happy with RBC.
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    You realize you are talking to the guy who made his own furniture out of salad bowls right?

  18. #38
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    Originally posted by Star1995


    Strange... I'm with PCF and went to a CIBC branch, they gave me a certified check for the PCF account and they didn't charge me the $10 fee.

    This was a problem with the person and not the bank.

    Anyway, go with one of the top 5 if you like giving money away. By my calculations I've saved well over $3000 since I've been with PCF. I joined about two months after they started.
    Explain to me how you saved $3,000

  19. #39
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    Originally posted by ickyflex


    Explain to me how you saved $3,000

    I'm not sure how much I've saved but I've accumulated $800 in PC Points just from buying groceries/gas fill ups.
    Originally posted by GTS Jeff
    You know those bored stay at home moms who's entire lives revolve around driving their kids to soccer, various cleaning accessories, and worrying about neighbourhood rapists? The kind of people that watch the View and go "uh huh..." Those unfulfilled people who try to fill the void in their empty lives by writing whiny letters to the editor complaining about shit that no one really cares about?

    Well imagine if instead of writing that letter to the editor, she just posts on a car forum for car enthusiasts. That's Kritafo.

  20. #40
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    PC points is badass, and I like shopping at No Frills too hahaha.
    I could totally see how being with PCF could save you even more money as it's more points towards groceries.

    Now if they can give you PC points at T&T now too.

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