Who do you do your banking with?

[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??

[eblend]

PC Financial.

I dunno, everything is free, I don't do anything that requires a teller. Been with them forever. My wife is with them as well for all her day to day banking.

My wife has a TD account that she got when she came to Canada, we don't use it but she keeps the min in there just for kicks and giggles to get the 1 withdrawal per month, so if we need to go see a teller for any reason, I go to TD and deal with them. Usually I don't hold any money there, just transfer from PC whenever needed, like when we bought a house ect.

[Speed_69]

PC Financial here as well. It's pretty convenient because I can make withdrawals/deposits at Superstore location or at CIBC's.

I'm like eblend, I only need to go to a teller maybe once a year. I still have my TD account for that but I still have it classified as a student account up until April so I don't have to keep a minimum amount and no monthly fee. I'll probably be closing my account once my student account expires and need to switch to a regular value account.

[C_Dave45]

RBC Here. Mortgage, LOC, CC's, VIP chequing status (No holds on ATM deposits) $10k POS limit.
Plus I love the Avion Visa. Both personal and business Visas build up my points for travel. Travel rewards pays for everything, including taxes, with no blackouts on anything.

Yeah I know...I pay for it with a higher interest rate. But I'm happy.

[Twin_Cam_Turbo]

RBC. They tend to fuck things up and will probably move everything once my mortgage comes up for renewal.

[Cos]

.

[quick_scar]

PC

[egmilano]

td for loc, cc, chq and both savings. no hold's

[J-D]

RBC. Have been with them since I was a kid and there are branches everywhere. Too much hassle to switch.

[ExtraSlow]

RBC, I have the VIP banking package, which isn't exactly cheap at $30/mo, but that covers four bank accounts, plus two Avion Infinite credit cards, plus a LOC.
Don't pay for Email money transfers, don't pay for anything else actually. It's pretty decent. And that Avion card is bitching.

[J.M.]

Been with TD for a long time. Are you keeping the monthly minimum in the unlimited account?

[Cos]

.

[adamc]

RBC personal, Scotia business.

Scotia's small business advisors have been pretty helpful.

[sneek]

Whoever gives me the best deal! I am really cheap so I shop around a lot for these types of things.

Tangerine for savings/chequing when they have promotions
PC Financial for savings/chequing when they have promotions
CIBC Investor Edge, TD Waterhouse and Scotia iTrade for investments excluding fixed income.
JP Morgan for fixed income
HSBC for foreign exchange if I don't get a better rate with JPMC

[DeleriousZ]

CIBC for everything day to day... LOC, Chequing accts etc. Tangerine for savings stuff like rrsp and tfsa.

[J.M.]

Originally posted by Cos


I'm going to assume not, that is why I had mentioned it earlier. Do you lock your minimum in?

You can lock in the minimum? Haha I never knew this. How do you lock in the minimum lol

[guessboi]

RBC for day to day banking. No fees when you have different types of products with them.
Also been with them since I was a kid. 25+ years.

[Sugarphreak]

...

[dj_rice]

PC Financial for my everyday banking/savings account/TFSA. Everything free.


RBC for my mortgage/LOC/investment RRSP/GIC's/safety deposit box. Everything free as well since I have all the accounts to get it free. I went and seen them when I first got my mortgage and talked to an Advisor just to inquire about a RBC Avion credit card. Never approved or went ahead with one during that visit.

A few weeks later, one is sitting in my mailbox. Not even sure how that happened, but the Advisor must of clicked on approve and I made a big stink about it but decided to just keep it vs cancelling it and having it show up on my credit file as cancelled card. They gave me one year free fee waived because of it = $120 value. I've never actually used it yet so its nice to have a Visa in the wallet for travelling.

[FraserB]

TD, All Inclusive account, zero fees for anything (CC included)