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Best = HSBC Internet Saving A/C + any chequing account
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.) |
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