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LinkBack | Topic Tools | Rate Topic |
Jun 28, 06
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I've been with PC Financial for chequing. but that's really a very liquid account... paycheck goes in, money is usually gone within 4 or 5 days. Not because I'm that quick going through my money (though sometimes I can be...) but mainly because I don't get any kind of decent interest there.
I have an Island Savings Credit Union savings account from back when i was on the island. Though I do hear Coast Capital now has unlimited debit transactions going on now. I'm probably going to see about that. Honestly, the best deals I've seen in town though have all ben from Credit Unions. PC Financial seems like a good deal unless you like the idea of having an actual bank (No, it is not subsidiary of CIBC, it's just the right to use CIBC equipment... which basically means you have a debit card, not a bank). I use it as a piggy bank. Vancity had some decent deals... unlimited electronic withdrawals for $5 a month or something like that. They just got ranked #1 place to work in Canada in MacLeans or some shit like that. In general though you're insane for doing any kind of business anywhere other than a credit union. don't want my freaking money in toronto. 
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Jun 28, 06
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i'm with RBC right now and very unsatisfied. i'm getting an account with charlie at Wells Fargo to use in the USA but i still want a Canadian bank account. i'm going to have to look into this.
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Jun 28, 06
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Coast Capital Savings, great credit union. cant beat free transactions. especially when you debit like I do. Plus I work there!!!!!
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Jun 30, 06
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*shrug*. It made sense to me but I really don't know.
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Jun 30, 06
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In actuality CIBC does own PC Financial, this is true. But having a PC Financial account doesn't entitle you to the same things as a CIBC account. So, yes, you can use CIBC's equipment, but you don't get a teller, you don't get any kind of overdraft and if you want to make any changes to your account you basically have to apply over the internet. The closest thing you can get to a teller is someone at Superstore who will sit you down on the computer and show you how to do it.
It's not a bank. It's just owned by one. If you're making anything more than 30 grand a year, you should not be with PC Financial.
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Jun 30, 06
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Jun 30, 06
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vancity is the best place i've worked at so far in my whole life! i personally switched to vancity, because PC is not very convenient in terms of getting drafts, emergency cheques, being able to get cash when needed in case you have holds, etc, no branches, kind of sucks.. and Vancity has best rates on loans and mortgages... TD is a rip off.. in PC in order to qualify for a loan, you have to make lots of money... another thing... if u have vancity products such as credit cards, if u make payments to vancity cc, its avail. right away.. another great things u're able to do is make transfers within vancity accounts to other people... and its instant as well. Last edited by alla; Jun 30, 06 at 03:49 PM.
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Jun 30, 06
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E-package account
Account features and benefits
Transaction fees
Our Package account is loaded with features, all for one monthly fee. It’s ideal for members who regularly utilize in-branch transactions and additional specialized services. Features and benefits
we also got our own subsidiary... Citizens bank its similar to PC but the only bank that offers super saving account, where u get %3.20 https://www.citizensbank.ca/Personal/ Last edited by alla; Jun 30, 06 at 03:43 PM.
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