Quantcast
Who do you do your banking with? - Page 2 - Beyond.ca - Car Forums

View Poll Results: Who do you bank with

Voters
175. You may not vote on this poll
  • TD

    71 40.57%
  • RBC

    37 21.14%
  • BMO

    14 8.00%
  • ATB

    7 4.00%
  • CIBC

    14 8.00%
  • Scotia

    13 7.43%
  • Credit Union

    3 1.71%
  • ... screw the banks, Money Mart Bruh!

    1 0.57%
  • First Calgary

    3 1.71%
  • Other

    12 6.86%
Page 2 of 3 FirstFirst 1 2 3 LastLast
Results 21 to 40 of 43

Thread: Who do you do your banking with?

  1. #21
    Join Date
    Aug 2010
    Location
    Calgary, AB
    My Ride
    Evo, civic
    Posts
    349
    Rep Power
    14

    Default

    ^that. TD as well with zero fees for anything including the credit card.

  2. #22
    Join Date
    May 2003
    Location
    Calgary, AB
    My Ride
    2018 Audi RS3
    Posts
    373
    Rep Power
    21

    Default

    PC financial for day to day banking. It's only annoying when you need a bank draft though.
    Tangerine for long term savings.

  3. #23
    Join Date
    Jul 2006
    Location
    Calgary
    My Ride
    FJR1300/2018 Giant Trance 3
    Posts
    1,649
    Rep Power
    19

    Default

    PC Financial & PC Mastercard, black edition. Points = Free Groceries FTW! TD Waterhouse currently for RRSPs etc, but looking at moving to Scotia iTrade.

    "We need a vaccination for stupidity, with booster shots against an unwillingness to learn."

  4. #24
    Join Date
    Jun 1987
    Location
    SK
    My Ride
    Fit Dugan Signature (2016)
    Posts
    3,375
    Rep Power
    100

    Default

    RBC for my day to day, I don't pay any fees.
    Originally posted by SJW
    Once again another useless post by JRSCOOLDUDE.
    Originally posted by snowcat
    Don't let the e-thugs and faggots get to you when they quote your posts and write stupid shit.
    Originally posted by JRSC00LUDE
    I say stupid shit all the time.
    ^^ Fact Checked

  5. #25
    Join Date
    Jul 2007
    Location
    the upside-down
    My Ride
    Edge Sport, F-150 EcoBoost
    Posts
    1,011
    Rep Power
    18

    Default

    CIBC, since I was 12....so over 20 years. Checking, Savings, a couple VISA's, LOC. Have done some small car loans in the past.

    Their banking hours are not very good, but I hardly ever need a teller. Online, Telephone, Mobile Apps and service has always been excellent. Happy client.

    $10/mo for unlimited chequings account transactions (deposit, withdrawls, transfers etc). eSavings and other accounts have no fees as long as transactions are online.
    Last edited by freshprince1; 01-12-2015 at 09:42 AM.
    freshprince
    -Jan 2006-

  6. #26
    Join Date
    May 2002
    Location
    Calgary
    My Ride
    Hybrid
    Posts
    1,147
    Rep Power
    28

    Default Re: Who do you do your banking with?

    Originally posted by swak
    I am with TD currently, however i feel like i'm getting raped by service charges etc. I have an unlimited account with them but still get all these extra random fees... RBC looks a lot better for this from what i've seen...

    But from first hand experience, beyond, who are you guys with??
    I assume you mean the all inclusive account? And you keep the minimum $5k?

    edit: whoops, didn't realize there's actually one that's called "unlimited". Time to bump it up to an All-Inclusive.

    Curious what other fees you're getting charged? Withdrawing at other banks' ATMs? Email money transfers?

    I went in for the RBC Banking Statement Challenge one lunch hour, mostly for the free $50 prepaid Visa, but also to see if I could find a better package.

    I found that their VIP plan for $30 a month (with no way to waive it), has a lot less features than the TD All Inclusive.
    Last edited by Strider; 01-12-2015 at 11:57 AM.
    Originally posted by max_boost
    Hey baller, any problem money can solve is no problem at all. Don't sweat it.

  7. #27
    Join Date
    Apr 2009
    Location
    The Peoples Republic of Albertastan
    Posts
    5,245
    Rep Power
    20

    Default

    .
    Last edited by Cos; 12-28-2016 at 05:11 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"

  8. #28
    Join Date
    Jul 2008
    Location
    Transnistria
    My Ride
    Exploded.
    Posts
    8,207
    Rep Power
    51

    Default

    What are these 'random' fees? I have TD and whatever fee I get is justified.

  9. #29
    Join Date
    Mar 2004
    Location
    Calgary AB
    My Ride
    2020 Subaru Forester Sport
    Posts
    2,969
    Rep Power
    41

    Default

    Originally posted by dj_rice
    I've never actually used it yet so its nice to have a Visa in the wallet for travelling.
    If you ever decide to cancel that Visa, you should get the Amazon.ca Chase card. No forex fees so it's my go to travel card. I use it everywhere I go exclusively knowing that I am saving 2.5% of most other cards.

  10. #30
    Join Date
    Apr 2008
    Location
    Stampede Central
    My Ride
    is pretty sharp lookin'
    Posts
    2,270
    Rep Power
    34

  11. #31
    Join Date
    Nov 2002
    Posts
    3,680
    Rep Power
    25

    Default Re: Re: Who do you do your banking with?

    Originally posted by Strider


    I assume you mean the all inclusive account? And you keep the minimum $5k?

    edit: whoops, didn't realize there's actually one that's called "unlimited". Time to bump it up to an All-Inclusive.

    Curious what other fees you're getting charged? Withdrawing at other banks' ATMs? Email money transfers?

    I went in for the RBC Banking Statement Challenge one lunch hour, mostly for the free $50 prepaid Visa, but also to see if I could find a better package.

    I found that their VIP plan for $30 a month (with no way to waive it), has a lot less features than the TD All Inclusive.
    I have the TD All-Inclusive account and keep at least $5000 to avoid the monthly fee. http://www.tdcanadatrust.com/product...-inclusive.jsp

    The All-Inclusive does not include email money transfers ($1.50 per transaction).

    However, it includes a USD Visa ($40/yr) and a USD account. Buy USD goods on USD visa and pay it off with the USD account. You get a better exchange rate when you transfer money between the CAD and USD accounts. Cheaper than buying USD goods with CAD visa. Especially advantageous if you ever have to return goods.

  12. #32
    Join Date
    Apr 2008
    Location
    Stampede Central
    My Ride
    is pretty sharp lookin'
    Posts
    2,270
    Rep Power
    34

    Default Re: Re: Re: Who do you do your banking with?

    Originally posted by FiveFreshFish
    Buy USD goods on USD visa and pay it off with the USD account. You get a better exchange rate when you transfer money between the CAD and USD accounts. Cheaper than buying USD goods with CAD visa. Especially advantageous if you ever have to return goods.
    Amazon Visa FTW

  13. #33
    Join Date
    May 2002
    Location
    Calgary
    My Ride
    Hybrid
    Posts
    1,147
    Rep Power
    28

    Default Re: Re: Re: Who do you do your banking with?

    Originally posted by FiveFreshFish
    The All-Inclusive does not include email money transfers ($1.50 per transaction).

    However, it includes a USD Visa ($40/yr) and a USD account. Buy USD goods on USD visa and pay it off with the USD account. You get a better exchange rate when you transfer money between the CAD and USD accounts. Cheaper than buying USD goods with CAD visa. Especially advantageous if you ever have to return goods.
    I was guessing either other bank ATM withdrawals or email money transfers were the fees that OP was getting... AFAIK, no bank account covers those.

    Bad news on the USD account. As of March 15, they're going to start charging $2/month for the borderless account unless you have a minimum balance of $3k in it.
    Originally posted by max_boost
    Hey baller, any problem money can solve is no problem at all. Don't sweat it.

  14. #34
    Join Date
    May 2002
    Location
    Calgary
    My Ride
    Hybrid
    Posts
    1,147
    Rep Power
    28

    Default Re: Re: Re: Re: Who do you do your banking with?

    Originally posted by jwslam

    Amazon Visa FTW
    Unless you happened to throw a few $k into USD borderless account when the exchange rate was at par
    Originally posted by max_boost
    Hey baller, any problem money can solve is no problem at all. Don't sweat it.

  15. #35
    Join Date
    Jul 2009
    Location
    Calgary
    Posts
    815
    Rep Power
    15

    Default Re: Re: Re: Re: Re: Who do you do your banking with?

    Originally posted by Strider


    Unless you happened to throw a few $k into USD borderless account when the exchange rate was at par
    fuck lol I should have done this..

  16. #36
    Join Date
    Jan 2006
    Location
    Calgary
    My Ride
    GR Supra MT, MK8 Golf R
    Posts
    2,703
    Rep Power
    29

    Default

    Day to Day/RSP/Visa/US Account - RBC
    Peoples Trust - TFSA
    Scotia - Mortgage

    Don't like RBC's fees for withdrawals, deposits, e-transfer etc. but too cheap to pay for the VIP Plan and too lazy to switch to another bank haha.


    Originally posted by eblend


    If you ever decide to cancel that Visa, you should get the Amazon.ca Chase card. No forex fees so it's my go to travel card. I use it everywhere I go exclusively knowing that I am saving 2.5% of most other cards.
    So if you're buying stuff online out of the US you don't pay forex fees, just the posted exchange rate or does this only apply when travelling?

  17. #37
    Join Date
    Apr 2008
    Location
    Stampede Central
    My Ride
    is pretty sharp lookin'
    Posts
    2,270
    Rep Power
    34

    Default

    Originally posted by 94boosted
    So if you're buying stuff online out of the US you don't pay forex fees, just the posted exchange rate or does this only apply when travelling?
    Both. So when I buy stuff with PayPal, I make sure they charge my card in USD rather than exchanging it first at the paypal rate.

  18. #38
    Join Date
    Jan 2006
    Location
    Calgary
    My Ride
    GR Supra MT, MK8 Golf R
    Posts
    2,703
    Rep Power
    29

    Default

    Originally posted by jwslam

    Both. So when I buy stuff with PayPal, I make sure they charge my card in USD rather than exchanging it first at the paypal rate.
    Very interesting, going to have to look into this card.

  19. #39
    Join Date
    Mar 2004
    Location
    Calgary AB
    My Ride
    2020 Subaru Forester Sport
    Posts
    2,969
    Rep Power
    41

    Default

    Originally posted by 94boosted


    Very interesting, going to have to look into this card.
    Not only USD too, any currency. Anything that would normally get a forex fee of 2.5%

  20. #40
    Join Date
    Mar 2004
    Location
    Calgary AB
    My Ride
    2020 Subaru Forester Sport
    Posts
    2,969
    Rep Power
    41

    Default Re: Re: Re: Re: Re: Who do you do your banking with?

    Originally posted by Strider


    Unless you happened to throw a few $k into USD borderless account when the exchange rate was at par
    Got nearly 2k in USD cash from a while ago, at this rate if I don't use it I should be able to retire in the next 6 month.

Page 2 of 3 FirstFirst 1 2 3 LastLast

Similar Threads

  1. IRS (USA) now has your Canadian banking information.

    By ZenOps in forum Real Estate / Finance
    Replies: 5
    Latest Threads: 07-06-2014, 06:20 PM
  2. Money and Banking Question

    By el_fefes in forum Campus Chat
    Replies: 5
    Latest Threads: 02-03-2005, 08:15 PM
  3. Business Banking

    By diycx in forum General
    Replies: 0
    Latest Threads: 10-06-2004, 01:38 PM
  4. banking jobs?

    By liquid1010 in forum Careers
    Replies: 13
    Latest Threads: 08-24-2004, 11:30 PM
  5. Who's done drive through banking before?

    By rc2002 in forum General
    Replies: 9
    Latest Threads: 11-29-2003, 10:04 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •