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My_name_is_Rob
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quote:

Originally posted by Thaco
cibc also has unlimited emts https://www.cibc.com/en/special-offers/cibc-smart.html




Originally posted by BigMass


going to agree with Sugarphreak

https://www.tdcanadatrust.com/produ...l-inclusive.jsp
unlimited free EMTs

Been on it for about 20 years now and it includes tons of benefits like their autoclub and no fee cash back visas etc.
Just gotta maintain a 5k balance



Those aren't bad options, but I only ever have a couple hundred in my spending account at any given time. I would have a hard time leaving $3,000 or $5,000 in the account with such low interest rates, just to not have to pay the monthly fees.

TD Every Day Savings Account

$0 to $999.99 0.05%
$1,000 to $4,999.99 0.05%
$5,000 to $9,999.99 0.05%
$10,000 to $24,999.99 0.05%
$25,000 to $59,999.99 0.05%
$60,000 and over 0.05%


CIBC eAdvantageŽ Savings Account

Balance $5,000 or more 0.50%

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Old Post 12-22-2016 04:06 AM
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Thaco
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quote:

Originally posted by My_name_is_Rob





Those aren't bad options, but I only ever have a couple hundred in my spending account at any given time. I would have a hard time leaving $3,000 or $5,000 in the account with such low interest rates, just to not have to pay the monthly fees.



you wont find any (decent) free options with no balance, i guess you're stuck with PC.

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Old Post 12-22-2016 04:11 AM
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flipstah
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quote:

Tangerine has a feature called Switch Assistant, which easily helps you transist.

Let's see how good this switch assistant is tomorrow.

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01RedDX
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quote:

Originally posted by Thaco


you wont find any (decent) free options with no balance, i guess you're stuck with PC.



Not true, First Calgary "No Fees For Me" account has no minimum balance requirement.

https://www.firstcalgary.com/Accounts/

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Old Post 12-22-2016 04:24 AM
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jwslam
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quote:

Originally posted by flipstah
Tangerine has a feature called Switch Assistant, which easily helps you transist.

Let's see how good this switch assistant is tomorrow.


Wanna use my referral code?

Originally posted by My_name_is_Rob
Those aren't bad options, but I only ever have a couple hundred in my spending account at any given time. I would have a hard time leaving $3,000 or $5,000 in the account with such low interest rates, just to not have to pay the monthly fees.


Wut?!
Let's say you have $5000 balance

TD @ 0.05% = $0.21/month in interest but saves you $29.99 in fees, in addition to all the benefits plus a bank that actually has hours that make sense
CIBC @ 0.50% = $2.08/month in interest for, in my opinion, putting money into a brick vault with limited access.

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Old Post 12-22-2016 02:50 PM
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My_name_is_Rob
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quote:

Originally posted by jwslam

Wanna use my referral code?


Wut?!
Let's say you have $5000 balance

TD @ 0.05% = $0.21/month in interest but saves you $29.99 in fees, in addition to all the benefits plus a bank that actually has hours that make sense
CIBC @ 0.50% = $2.08/month in interest for, in my opinion, putting money into a brick vault with limited access.



Sorry, I wasn't comparing TD's rate to CIBC's, I was just posting them up to save time. I think they are both low for the record.

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Old Post 12-23-2016 05:56 AM
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blownz
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quote:

Has anyone opened a Tangerine account just for the interest? I am wondering how easy it is to transfer money back and forth between the Tangerine savings account and a chequing account at another bank.

I want to take advantage of the 6 months of 2.4% interest they have but I am not planning on switching everything from RBC. And I will want to move about $3K every 2 weeks from RBC to Tangerine and don't want it to be a PITA. Anyone with experience doing this?

Also, if someone wants to PM me a referral code I will use it.

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Old Post 12-23-2016 05:04 PM
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jwslam
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quote:

Originally posted by blownz
Has anyone opened a Tangerine account just for the interest? I am wondering how easy it is to transfer money back and forth between the Tangerine savings account and a chequing account at another bank.

I want to take advantage of the 6 months of 2.4% interest they have but I am not planning on switching everything from RBC. And I will want to move about $3K every 2 weeks from RBC to Tangerine and don't want it to be a PITA. Anyone with experience doing this?

Also, if someone wants to PM me a referral code I will use it.


I have my Tangerine savings linked to my TD chequings doing an auto-withdraw every payday. All other transfers between the two accounts are done on the Tangerine site, very intuitive. There's a 3-5 business day transfer though.

PMing the ref code now.

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Old Post 12-23-2016 05:32 PM
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ipeefreely
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quote:

Originally posted by jwslam

I have my Tangerine savings linked to my TD chequings doing an auto-withdraw every payday. All other transfers between the two accounts are done on the Tangerine site, very intuitive. There's a 3-5 business day transfer though.



Takes one/two day(s) for me (transfer on 19th night arrives on the 21st morning) TD to Tangerine.

I've been with TD for 20 years & Tangerine(ING) 11.

I really like the Cheque-In Deposit. I haven't use an ATM since I started using that!

Maybe I should start pushing referrals on people... I only have one from my sister @ $25!

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Old Post 12-24-2016 02:13 AM
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italianstylez
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quote:

Im with first Calgary , no fees at all, unlimited use, 3 free e transfers a month, decent credit card rate as well, (only one I have seems good)
Their hours aren't ideal but worth it.

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Old Post 12-24-2016 03:23 AM
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Chester
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quote:

Originally posted by Thaco
i use CIBC, free unlimited if you keep 3k+ in there.



Ditto. Unlimited e-transfers as well.

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Old Post 01-05-2017 07:41 PM
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flipstah
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quote:

Switching banks is a PITA for $11/mth.

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mzdspd
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quote:

Originally posted by blownz
Has anyone opened a Tangerine account just for the interest? I am wondering how easy it is to transfer money back and forth between the Tangerine savings account and a chequing account at another bank.

I want to take advantage of the 6 months of 2.4% interest they have but I am not planning on switching everything from RBC. And I will want to move about $3K every 2 weeks from RBC to Tangerine and don't want it to be a PITA. Anyone with experience doing this?

Also, if someone wants to PM me a referral code I will use it.



Just so you know as well.. After the 6 months @2.4% is up, tangerine will offer you a new deal.. Some people are getting up to 3.25% for an additional 6 months.

You can either call them and hassle for a deal and they will also offer you a deal on your account web page.

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Old Post 01-05-2017 08:54 PM
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hurrdurr
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quote:

Bump

Just realized i'm spending about $250 a year with TD including EMT fees.

Thinking of making the switch, so far tangerine seems the best.

What are the drawbacks of not having an actual branch?

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Old Post 02-22-2017 08:54 PM
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Sugarphreak
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quote:

Originally posted by hurrdurr
Bump

Just realized i'm spending about $250 a year with TD including EMT fees.

Thinking of making the switch, so far tangerine seems the best.

What are the drawbacks of not having an actual branch?



I haven't paid a single dollar in fees at TD for the past 15 years... just keep a 5K minimum balance and you can have the best plan, plus all the perks for free.

It is good to have an extra 5K sitting there anyway in case you run into an emergency of some kind

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Old Post 02-22-2017 09:04 PM
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Xtrema
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quote:

Originally posted by hurrdurr
Bump

Just realized i'm spending about $250 a year with TD including EMT fees.

Thinking of making the switch, so far tangerine seems the best.

What are the drawbacks of not having an actual branch?



Like SP said, if you have $5K in any account,. TFSA or RRSP included, you should not have to pay fees.

Both RBC and TD is free for me.

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TomcoPDR
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quote:

Originally posted by Sugarphreak


I haven't paid a single dollar in fees at TD for the past 15 years... just keep a 5K minimum balance and you can have the best plan, plus all the perks for free.

It is good to have an extra 5K sitting there anyway in case you run into an emergency of some kind




Originally posted by Xtrema


Like SP said, if you have $5K in any account,. TFSA or RRSP included, you should not have to pay fees.

Both RBC and TD is free for me.



And if you setup a business account and keep $65,000, the TD business unlimited account fees will be wavied too. Which includes unlimited free EMT (interact etransfer).

On a side note, I notice interact or TD added the etransfer cancellation fee of $5

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Brent.ff
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quote:

Originally posted by Sugarphreak


I haven't paid a single dollar in fees at TD for the past 15 years... just keep a 5K minimum balance and you can have the best plan, plus all the perks for free.

It is good to have an extra 5K sitting there anyway in case you run into an emergency of some kind



ding ding. that account, plus having the TD Infinite Travel Visa with fees waived is definitely worth the holding of 5k. And does give you a nice healthy buffer

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Old Post 02-22-2017 10:18 PM
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thetransporter
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quote:

ING is best /tangerine

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