不过因为它是信用账号，如果从中转钱去买RRSP，是不是相当于贷款买RRSP呢，所以当时银行没容许我这么干，我只能从普通支票账号去买。现在知道HSBC也可以PRE-AUTHORIZE PAY功能，所以这一问题就可以解决。
不过对HSBC的使用我还是遇到问题，我试着从一BMO的ATM上往HSBC储蓄账号里存一张支票，结果告诉我不行。不知道你们是如何操作的。是不是只能在HSBC的ATM上存支票？
Post by VVMM
do you mean "credit line"? 我倒是不知道他们的支票是免费给的. HSBC对支票的要求很严格, 一定要有姓名地址, 才给开户. 我当初问客服信用卡支票可以吗? 他说no
从中不能买RRSP是什么意义? 似乎有支票就能买RRSP啊.
作者: fengfeng 时间: 2008-10-20 13:29
很可能是这样. 我后来曾在电话里再提及这一问题，他们只说你只要提供institution#, transit # and account # 就是一样的了。
Post by VVMM
他可能是说他去HSBC in person的, 银行给了他一些check, 那种不是pre-printed的支票不能开online direct deposit帐户.
作者: montrealpost 时间: 2008-10-21 08:33
Thank VVMM for sharing info.
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"是不是只能在HSBC的ATM上存支票？" => No
I've deposit cheques in BMO+National machineSS, never problem except once last week. But it was BMO machine problem(identical problem to my BMO account at the time), not problem with HSBC/HSBC account.
Or did u try to deposit your cheque into Chequing Account on machine, it's supposed to be Savings. I always check balance first before any transaction, to avoid mixing up the accounts. :p
Some National machines doesn't allow deposit, e.g. the one in Central Library(withdrawal only). I had to walk down to the National Bank in ~Place Duplus on St. Catherine. Info on National machines are listed on the EXCHANGE web site, hours, functions, etc. Ask telephone banking for address.
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"他们只说你只要提供institution#, transit # and account # 就是一样的了。" => 是一样的。
I asked the HSBC girl who helped me to open my account, I told her THE SECRETARY ASKED FOR VOID CHEQUE, I may need some for Bell/Hydro. She asked me how many void cheques I wanted.
If u prefer a paper (VOID CHEQUE), call your Account Manager, she'll get that done and have them mailed to u. May as well get your credit check done(read reply #13 that I've written below) at the same time. Much better with less hold on your tansaction(s). Call telephone banking, they will tell u 2 names + 2 1-800# for your Account Manager (believe the other may be assistance or whatever)
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作者: montrealpost 时间: 2008-10-22 07:13
Post by fengfeng
. . . . 不过因为它是信用账号，如果从中转钱去买RRSP，是不是相当于贷款买RRSP呢，所以当时银行没容许我这么干，我只能从普通支票账号去买。现在知道HSBC也可以PRE-AUTHORIZE PAY功能，所以这一问题就可以解决。 . . .
I have no idea what credit line account is, don't understand why pre-authorize pay function can be used for RRSP. Just want to remind u to be careful with inter-bank transfer, believe they charge ~$15/25 per transaction.
(Interbank transfer for pre-set-up account(e.g. my BMO accounts) in HSBC Direct Saving is "Direct Deposit" in my BMO, no charge. Requirement: same name)
Post by montrealpost
. . . BILL PAYMENT function(HSBC) - City tax, Hydro, Bell, Visa, MC, etc. etc. (no income tax yet) . . . . . .
Correction: The payee list of HSBC includes Montreal School Tax, Federal income tax.
No Quebec income tax, no Montreal Property Tax listed, i.e. u can't pay these 2 over the internet, nor telephone banking. They are working on these 2 right now.
The girl at HSBC branch told me that she saw people paying their Quebec income tax at HSBC machines. The payee list at branch is a bit different from the web+telephone banking. U can pay Quebec income tax at counter, but there will be a service charge + :
U cannot do anything with Direct Saving Account at any HSBC counter, they don't have access to the internet account.
作者: fengfeng 时间: 2008-10-22 10:50
你说得一点没错！ 因为是第一次使用这张卡，所以错误地试图往支票账号中存支票。多谢提醒！我会再试的 ：)
credit line account 和信用卡的CASH ADVANCE类似，可以赊钱，利息却比信用卡低多了，普通信用账号利息在7-8%。当然它不是刷卡使用，而是手头缺钱时随时取来用的，不过利息立刻产生。
Post by montrealpost
Thank VVMM for sharing info.
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"是不是只能在HSBC的ATM上存支票？" => No
Or did u try to deposit your cheque into Chequing Account on machine, it's supposed to be Savings. I always check balance first before any transaction, to avoid mixing up the accounts. :p
作者: montrealpost 时间: 2008-10-26 12:45
标题: HSBC . . . . Chequing Account
For those of u who has Direct Savings account in HSBC and ~need . . . . . . . . chequing account?
I`ve talked my account manager to give me 150 free cheques :p for opening a chequing account. 10 temparay cheques in mail already with ~welcome package. (talked over phone ~10 min., check credit again :confused: , done)
There`s a promotion for 6 months NO service charge for chequing account, expiring Oct. 31. Check their web site (hsbc.ca) to see if u`re OK with their plan(s) first. The Performance Plan that`s free for 6 months is too expensive(~$10-12/mth.), be prepared to change to a plan that`s suitable for your need right after 6 months.
Good luck and have fun!
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, for those of u who has spare $$:
URE" Internet accounts = u need to use them in conjunction with a chequing account. There's a $5 charge for counter or whatever service by RBC. Both RBC+ING cannot do bill payment, except HSBC. 