nicknan

Scotia bank确实牛，RBC也牛。。。这两家银行现在是经营状况最好的，Scotia bank现在已经跃居加拿大第二位了。。。他们只care business acount。。。我的business acount在他那里，确实不错！

知道一点

中文服务其实大多数银行都有,一点不新鲜.  不过BMO整天琢磨着用各种手段从小储户身上刮点手续费. 楼上几位提到的S和R银行外号牛翻天, 不选也罢.  而C银行在好多年前在北京的一次说明会上, 其员工指着在场多位潜在客户大呼: 你们中国人..., 让偶当即退场. 本地的D银行坚持法语路线, 你不会法语俺不做你生意. 所以算来算去,貌似TD还比较好用: 网点多, 营业时间长, 支票便宜, 免费账户定额低, .... 不过天下乌鸦一般黑. 哪家也不会十全十美.

montrealpost

The best bank account:  HSBC Internet Savings A/c:
1.  High ?Daily? Interest, ~3% right now, not sure.  Same or similar to ING.

2.  Unlimited transactions - no more counting of transaction, no more worry about stupid minimum balance to avoid bank fee.

Bill payment - U can do it with telephone banking, I do it all postdated on Internet, both 24 hours x 7 days.

3.  "网点多, 营业时间长" - use bank cards at all HSBC + BMO + National banking machines.  24 hours telephone banking.

It is a saving account, hence u may need a chequing account.  Open it at HSBC or whatever bank of your choice.  Inter-bank transfer will take 2-3 business days.

p.s.When u first open account, there's a X day hold on all funds.  ???? I can't remember how, ask the agent over the phone, ??credit check ??, after talking to another woman in Vancourver for ~5-10 minutes to check on our credit reports:
- ABM daily limit $400->$600/day
- POS/Interac daily limit $500->$2000/day
- Bank to Bank transfer ?same?, anyway it is hold for 5 Business Days
- ABM Deposit hold X days -> NON
e.g. my account is $0, I deposit a cheque of $600 in BMO/National machine, then I can take $600 cash out from any machine RIGHT AWAY.  (Of cause there's a $500/? limit on all banking machine.)

thinkpad1981

RT

我原来一直用的是BMO和CIBC的支票和储蓄帐户
CIBC之前的saving帐户利息不错，有3.75%，可是现在就2.25%了
BMO之前的saving帐户利息也还行，现在好像就1%了

所以再想不要BMO的帐户，想换一个别的银行

初步查了一些资料，好像ING和HSBC的储蓄利息都是3%，RBC的2.75%，TD的很低
所以想从ING HSBC RBC这3家里面选一个
有一些问题请假大家：
1   除了储蓄帐户，这几家银行的支票帐户哪个更加好啊
2   这几天银行的利率会不会经常变化（我知道RBC是一年变一次）
3   像ING这种银行的网点多不，我好像都没怎么见过，大家用ING的朋友感觉用起来方便嘛？
4   HSBC好像MTL的网点也不多啊，不过可以免费用BMO和NB的ATM机器啊，如果这样，那也算比较方便
5    HSBC银行是不是可以从国内的HSBC银行直接汇款啊？


谢谢大家的帮忙。。。。

thinkpad1981

平时如果我需要取钱的话，怎么操作呢？

是不是直接像普通的一样去银行去取吗？？

不过好像我没有见到很多ING的网点啊？

montrealpost

"我原来一直用的是 . . . . .  想换一个别的银行"  => there could be other things that u need to consider before changing bank.  Figure out your own situation.

1   除了储蓄帐户，这几家银行的支票帐户哪个更加好啊
==>  Don't know.

2   这几天银行的利率会不会经常变化（我知道RBC是一年变一次）
==> always = 经常变化.  Are u sure "RBC一年变一次", I doubt it. (anyway, it doesn't matter to me)

3   像ING这种银行的网点多不，我好像都没怎么见过，大家用ING的朋友感觉用起来方便嘛？
==>  It seems like:
a.  unlimited transfers between ING and the chequing acount(s) u set up,
b.  only ~4 free($0) ABM withdrawals/per month, then there are charges($),
c.  no bill payment,
d.  I'm not sure about above, see *********.ca or ask the ING referal guy(=customer) below.

4   HSBC好像MTL的网点也不多啊，不过可以免费用BMO和NB的ATM机器啊，如果这样，那也算比较方便
==> only a few branches, but tons of ATM机器+ 24 hrs. telephone banking+internet banking, all $0.
***  I'm talking about the (Internet=)Direct Savings account, NOT the regular HSBC savings accoung ***

5    HSBC银行是不是可以从国内的HSBC银行直接汇款啊？
==> yes, but there is charge($)+waiting time, don't know details.

Any further question, please ask HSBC or www.hsbc.ca.  
(Current promotion on free chequing account for 6 months.  Check web site yourselves)

thinkpad1981

谢谢楼上朋友的回复，不过好像有一些没说清楚啊

对了，还有刚才仔细看了一下HSBC，发现这个Direct Savings Account的３％利息，必须要balances up to $1 million

晕倒


看来我得放弃HSBC转向RBC了, RBC的２.75％没有要求的

Z!Z

Post by thinkpad1981
谢谢楼上朋友的回复，不过好像有一些没说清楚啊

对了，还有刚才仔细看了一下HSBC，发现这个Direct Savings Account的３％利息，必须要balances up to $1 million

晕倒


看来我得放弃HSBC转向RBC了, RBC的２.75％没有要求的

wow，看来 您老的闲钱不少啊，超过1m了

Z!Z

Post by erose
我能帮助你开NATIONAL BANK的个人账户，活期和定期两便，
利率3.1%（在所有银行中，这是最高的利率）。同时，
还可办理信用卡申请，银行贷款和房屋贷款。提供免费中文服务。

如需要的话，请EMAIL AT erose200266@yahoo.com

wow，是很高

montrealpost

"  。。。。。。发现这个Direct Savings Account的３％利息，必须要balances up to $1 million, 晕倒"
==> Not 必须, up to=maximum.   They pay u ~3% for $0.01 up to a maximum of $1 million.

"看来我得放弃HSBC转向RBC了, RBC的２.75％没有要求的"
==>  if 0.25% difference, it's insignificant.  U may want to consider other things, e.g.:

- cost of printing cheque,
- compare other investment products/services offered by the 2 banks,
(e.g. HSBC investments are not as flexible as BMO/RBC, may be fewer choices)
- the bank of the credit card(s) that u are using, etc.
(e.g. When I pay my RBC credit card from HSBC, it'll take 2-3 business days to clear.  May be 0 day from RBC)

etc. etc.  Put that little brain of yours to work  . . . . . .