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12:42 am
November 26, 2008
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Peter
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https://www.citizensbank.ca/Personal/Products/BankAccounts/50GiftPromo/
- valid on new accounts until December 22, 2008
- you must open a Global Chequing Account (their no-fee account) and/or Ultimate Savings Account (their high interest savings account)
- you must have an initial deposit of at least $100, and must keep that in there for three months
- you will get the $50 bonus 30 days after opening the account(s)
Sadly this does not apply to existing members.
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3:33 pm
November 26, 2008
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djino
| | Ottawa (Gatineau, Qc Area) | |
| Member | posts 209 | |
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Sweet!!
decided it was time to use open up with Citizens.
djino
"Thanks Peter!"
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7:06 pm
November 26, 2008
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Jesus
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is there any downside to opening multiple upon multiple bank accounts?
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10:00 pm
November 26, 2008
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Max
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Do they take Quebec residents?
I assume that they do not, like always.
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1:28 am
November 27, 2008
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Peter
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Max said:
Do they take Quebec residents?
I assume that they do not, like always.
Unfortunately not 
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6:25 am
November 27, 2008
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djino
| | Ottawa (Gatineau, Qc Area) | |
| Member | posts 209 | |
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Max said:
Do they take Quebec residents?
I assume that they do not, like always.
No they dont, but my parents live in Ontario. So I will 'move' there for awhile, and then may 'move' back to Quebec along with the account:)
djino
"It just didn't seem worth it until now"
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6:36 am
November 27, 2008
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Max
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| Member | posts 111 | |
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I don't have family in Ontario unfortunately.
I'll stick with my 3 direct account with ING, HSBS and ICICI.
I think getting more would be abusive ahah.
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My mattress is far more comfy with all my money under it.
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8:27 am
November 27, 2008
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djino
| | Ottawa (Gatineau, Qc Area) | |
| Member | posts 209 | |
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Yeah, I'm getting a bit excessive with bank accounts. Glad I got this software to keep track of everything.
ScotiaBank Savings ($0 Monthly – 2 free Debits)
RBC Savings ($0 Monthly – 1 free Debit)
RBC US Savings ($0 Monthly – 1 free Debit)
Royal Bank Centura US Checking ($0 Monthly – unlimited)
INGDirect Savings ($0 Monthly – 4 free Debits)
PCF checking ($0 Monthly – unlimited)
PCF Savings ($0 Monthly – unlimited) x2
HSBC Savings ($0 Monthly – unlimited) x2 <- PRIMARY
HSBC US Savings ($0 Monthly – $1/Debit)
And eventually:
Citizens Checking ($0 Monthly – unlimited)
Citizens Savings ($0 Monthly – unlimited)
djino
"Yes I know, too much"
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7:00 pm
November 27, 2008
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Max
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djino, I'm a bit disappointed in your list. I see that you have no ICICI account opened yet.
What are you waiting for to take advantage of the 20$ opening bonus?!?!?!
LOL!
Max
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My mattress is far more comfy with all my money under it.
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1:28 pm
November 28, 2008
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djino
| | Ottawa (Gatineau, Qc Area) | |
| Member | posts 209 | |
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LoL
With ICICI, Do I not need to maintain a minimum balance to avoid any monthly fee?
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11:17 am
November 29, 2008
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Doug
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ICICI's HiSAVE savings account does not have any monthly fees. Transfers between accounts, including bank-to-bank transfers, are free. Cash withdrawals charge a monthly fee but you could transfer funds to your HiVALUE chequing account and maintain a minimum balance of only $100.00 (pretty easy to do) to have a totally free, unlimited chequing account with surcharge-free access to ICICI ABMs and The Exchange Network ABMs.
ICICI's chequing account ranks, in my opinion, as the third best in Canada, behind Citizens Bank and PC Financial. However, I've used neither of those three. I'm just going by the information I have.
Still, this isn't my preference – I use HSBC Bank Canada (where I work as well) because the access points (we get access to Bank of Montreal ABMs) are greater even if the interest rate is 0.35% lower. 
Cheers,
Doug
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7:21 am
November 30, 2008
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Max
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| Member | posts 111 | |
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So djino, I think you're one step away from your 20$ bonus 
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My mattress is far more comfy with all my money under it.
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11:42 am
November 30, 2008
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Guest
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11:53 am
December 2, 2008
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djino
| | Ottawa (Gatineau, Qc Area) | |
| Member | posts 209 | |
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Max said:
So djino, I think you're one step away from your 20$ bonus
lol… not sure if $20 is worth the trouble. As I know I wont use the account much at all as I have HSBC, PCF and eventually Citizens. I dont think I have more to gain (besides $20) to get ICICI
djino
"Maybe if i'm bored someday "
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12:29 am
December 11, 2008
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y
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From their site:
$50 bonus offer no longer available
Thank you for your interest! Unfortunately, we received such an overwhelming response to the $50 Bonus offer that we can no longer make it available.* But don't worry, we know you'll still like what we have to offer…a free chequing account and a great savings account. Join us today to experience a different way of banking.
https://www.citizensbank.ca/Personal/Products/BankAccounts/50GiftPromo/
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10:09 am
December 11, 2008
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Doug
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djino said:
Yeah, I'm getting a bit excessive with bank accounts. Glad I got this software to keep track of everything.
ScotiaBank Savings ($0 Monthly – 2 free Debits)
RBC Savings ($0 Monthly – 1 free Debit)
RBC US Savings ($0 Monthly – 1 free Debit)
Royal Bank Centura US Checking ($0 Monthly – unlimited)
INGDirect Savings ($0 Monthly – 4 free Debits)
PCF checking ($0 Monthly – unlimited)
PCF Savings ($0 Monthly – unlimited) x2
HSBC Savings ($0 Monthly – unlimited) x2 <- PRIMARY
HSBC US Savings ($0 Monthly – $1/Debit)
And eventually:
Citizens Checking ($0 Monthly – unlimited)
Citizens Savings ($0 Monthly – unlimited)
djino
"Yes I know, too much"
How did you open an chequing account with RBC Bank USA (formerly RBC Centura), djino? I thought you have to go down to the U.S., have your two pieces of ID and open in branch. I didn't think foreign citizens could open U.S. bank accounts online.
Cheers,
Doug
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3:35 pm
December 11, 2008
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djino
| | Ottawa (Gatineau, Qc Area) | |
| Member | posts 209 | |
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You are able to go into a RBC Bank here in Canada and open up the Centura Account (make sure you give yourself minimum 3 weeks before travel to the US so that you get all the materials before then). (I think you'll need to have an RBC Canadian account first to do this, and it makes sense, so you can link the two for easy INSTANT transfers)
You can also open up the account at a RBC Centura Location (which most are in the Southeastern States (Florida/Georgia/Alabama/etc).
You do not need to have a US SSN.
You get get unlimited Transactions, free cheques, and a Visa Debit Card.
Monthly fee is $3.95/month (wavied if $700 balance is maintained – also waived with any balance during the first 90 Days).
djino
"Call an RBC Branch and make an appointment to open an account"
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8:55 pm
December 11, 2008
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Doug
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Ah, ok. That's how it works. We have something similar with HSBC, called the HSBC Passport, which allows an HSBC Group entity employee to liaise with another Group entity employee in establishing an account at that other Group entity worldwide. A lot of the work is actually done by the International Services division of HSBC.
Cheers,
Doug
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3:28 pm
December 12, 2008
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djino
| | Ottawa (Gatineau, Qc Area) | |
| Member | posts 209 | |
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Doug said:
Ah, ok. That's how it works. We have something similar with HSBC, called the HSBC Passport, which allows an HSBC Group entity employee to liaise with another Group entity employee in establishing an account at that other Group entity worldwide. A lot of the work is actually done by the International Services division of HSBC.
Cheers,
Doug
How do you get the HSBC Passport? Is there a fee?
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11:57 am
December 14, 2008
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Doug
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It's not an actual account, per se. It's basically a sort of package that has a bundle of offers for new immigrants coming from other countries. It's basically a way to get them in the door and it offers a MasterCard override (either cash secured or unsecured, depending on circumstances), certain special offers from partner companies, and six months free of service charges on any chequing and savings accounts.
If you want to open an HSBC account with another Group entity, you'll have to speak with your account manager, let them know what country you're planning on visiting/moving to and then they'll liaise with that Group entity to have documents mailed back and forth to get the account opened by the time you arrive in the new country. There is a fee involved for opening an account internationally (e.g., HSBC Bank Canada customer opening account with HSBC Bank plc in London, England) and it is disclosed in the Personal Service Charges brochure under International Services. I believe it is something like $150 or $175.
Cheers,
Doug
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