go directly to TD bank, and apply for the Green Card or GM card. you have to open an account and keep at least 100% money in your account for 3 years, i.e. keep at least CAD1000 to get the credit of CAD1000. # I. k* ]6 t2 X z7 E( Z0 T# Y) pit's my experience, and should work for almost all international students.