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4:55 am
October 21, 2008
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Earl
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Just got a mailing from TD Canada Trust advertising 3.5% rate from now until March 31/09. I currently have an ING Direct account at 3.0%, so I guess it makes sense to move my money to the higher TD rate. Would appreciate any advice on this.
Earl
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6:55 am
October 22, 2008
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Nina
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I got the same promotion. It is a good one. Though temporary. I allready bank with TD so it simplifies banking for me.
The catch is that you only get the rate for a balance of $5000 or more and you can only make one withdrawal a month. Additional withdrawals cost $5/withdrawal.
So it is worthwhile if you have the cash and no great need to do frequent withdrawals.
ICICI has a 3.4% offer without the TD restrictions.
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8:48 am
October 22, 2008
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Maxime
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Wow these are really BAD condition.
5$ per withdrawal
OMG
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5:23 pm
October 22, 2008
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pebbz
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I might be interested in this deal as I already bank with TD. How did you hear about the promotion? I was tempted with their GIA, but it gives a measely 2.25% with the same conditions, so I went with ING direct instead. Was the promotion addressed specifically to you? Or was it just a flyer in the mail?
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1:55 am
October 24, 2008
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Salty Bob
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I just received a flyer in the mail yesterday, advertising a 3.75% interest rating on all new deposits until 30 Nov 2008 – for PC Financial. Not worth the trouble for me for that short of time. By the time I get the account created, I would only get a week or two of this rate..! Those already have an acct should go for it!
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12:13 pm
October 24, 2008
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Earl
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The offer was addressed specifically to me. Small print says the offer is valid for the recipient named only. I already have an RRSP with TD and have made noises about transferring it elsewhere.
Thanks for the info about just one free withdrawal per month. I will have to be careful about that. I might have considered the ICICI account but have heard too many complaints about them.
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2:43 am
November 15, 2008
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Bud
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I just closed a TD savings account there are just too many fees and rules. Averaging $12/ month and often times more. Opened an account with PC great rates, no fees and checking also use CIBC atm's for free. Check em out! Another good one is Canadian tire Less flexible then PC but good rates too. STOP the Major Bank and TRust company service charge gouging!
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8:28 am
November 17, 2008
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Snipes
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High Interest accounts are for savings… not for "spendings"…
There should be no need to withdraw from one of these accounts on a regular basis. That is why you carry a regular savings or chequing account.
Anything above and beyond your regular spending/transaction needs is what should be saved in this account.
But then again, based on that reasoning… You are better off to forgo the high interest savings accounts that everyone offers, and save in a non-registered money market fund – which often carry higher interest rates than savings accounts…
One step further, hold it in Canada's new TFSA (Tax Free Savings Account) available Jan 2nd… which would give you an even greater savings than the traditional savings accounts – high interest accounts included!!
Snipes
Consultant
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7:05 pm
November 18, 2008
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bobby
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You should check out Vancity's Jumpstart Highinterest savings account. Currently at 3% has been that way for quite some time. Also fights poverty.
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8:12 am
November 28, 2008
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fari
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Hi,
I want to open an account with some bank. Anybody knows which bank is giving the best rates now on saving account with less or no resistrictions.
thanks
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10:16 am
November 28, 2008
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Max
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HSBC got the best rate till next March 3.75%.
ICICI bank got the best overall rate (3.10%) when no banks are offering promos and they give 20$ bonus when you sign up with them and deposit 100$
HSBC got far better money accessibiliy if you need debit card and debit transactions or bill payment over the Internet.
When HSBC is not offering any promotion, I send all my money to ICICI, when HSBC wakes up, I transfer all my money to HSBC.
I do not know aobut TD however because I’m a QC resident and do not have access to any other instutition other than ING, HSBC and ICICI.
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My mattress is far more comfy with all my money under it.
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3:20 am
November 29, 2008
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Doug
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TD Canada Trust has lots of branches in Quebec. You must live way up in northern Quebec or something, Max. 
Cheers,
Doug
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7:36 am
November 29, 2008
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Palos Green
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Is Canadian Tires 4.3% for first 90 days not the best rate? Plus $20 signup bonus, plus another $25 bonus when you set up an automatic deposit of $25 or more.
I say sign up to all three, start with the bulk of your money at Canaidan tire for 3 months, get the bonus $, then transfer it to HSBC for the last month of their promo rate, then over to ICICI at least until a better rate comes along, and get the $20 bonus.
but don't forget to deposit $100 in a citizens account and grab the $50 bonus they're offering..
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4:00 am
December 2, 2008
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djino
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Max said:
I do not know aobut TD however because I’m a QC resident and do not have access to any other instutition other than ING, HSBC and ICICI.
Yeah, if you are in the Montreal/Outaouais regions, you should see plenty TD machines
djino
"Non TD Client, is it possible to just walk-in to a TD and only get that savings account?"
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6:38 am
December 2, 2008
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nelboski
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Bud said:
I just closed a TD savings account there are just too many fees and rules. Averaging $12/ month and often times more. Opened an account with PC great rates, no fees and checking also use CIBC atm’s for free. Check em out! Another good one is Canadian tire Less flexible then PC but good rates too. STOP the Major Bank and TRust company service charge gouging!
I hear you Bud! Don't bother trying to get the rate from TD unless you were specifically solicitied for the deal (ie – received the promotion in the mail). I inquired about the deal (after banking with TD for several years with good standing), and they wouldn't offer me a thing. That was the last straw for me. I made the switch to PC. I don't get gouged with unnecessary fees, I have access to all CIBC ATM's, I can switch money between chequing and savings accounts for free, and I ALWAYS get a competitive return on my highly flexible savings account.
Once you figure out how much money you are burning at the big five banks, you'll make the switch too!
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4:17 am
December 7, 2008
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SueC
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Hey Everyone,
I had no idea these other financial institutions offered better deals than TD, which is across the street from where I live, so the convenience is great. However, there is supercenter up the street from me which has a PC financial station set up in it.
Regarding the PC rates, do you have to keep a minimum balance in your chequing account to avoid fees? With TD, I have to have $1000 in my account at all times or I am charged a crazy fee.
Any feedback would be great!
Thanks,
Sue
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5:20 pm
December 7, 2008
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Peter
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Hi Sue,
For the PC Financial chequing account, there is no minimum balance. In other words, if you have only 1 cent in that account, you should not be charged fees for normal transactions.
For the PC Financial savings account, if you have less than $1,000, you get a 1% interest rate on the entire balance. If you have more than $1,000, you get the higher rate (currently 2.75%) on the entire balance.
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2:25 am
December 9, 2008
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financier
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why dont you open HSBC direct savings account giving 3.75% until march, instead of 3.5% in TD
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