Canadian High Interest Savings Bank Accounts

hi doug, you are right, when i went to scotiabank and asked about changing my
"scotiabank-toronto" account into "scotiabank-richmond" account, they said
they wont change any transit number whatever so i will not have to worry about changing this and that account number and writing mails to various agencies that has link to my account number.

by the way, i notice that you really like your SCENEvisa card for movies stuff. i did switch my old scotiacard into scenecard this october, and i thought i could also get an instant 1000 points (1000points=1movieticket) but it looks i got the wrong idea. anyway here is the email from SCENE:

———————————————————————————–
Good day,

Thank you for your e-mail. Please be advised that as of January 1st, 2010 there was a reduction to the SCENE Scotiacard Bonus Offers.

Scotiabank Customers who open a SCENE Eligible account as they will still receive 1000 Points for linking and 1000 Points for their Pre-Authorized Banking. However, customers with an existing SCENE Eligible Account will not receive Points for linking. In addition, effective July 01, 2009 existing Scotiacard customers who switch their Regular ScotiaCard to a SCENE ScotiaCard will no longer receive 500 SCENE points for having Pre-authorized banking attached to their account.

In the situation where it is a joint account the Pre-authorized Bonus will be split evenly between SCENE card holders.

Regards,

SCENE Customer Service
scene.ca
© 2010 SceneLP All rights reserved.

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when i opened a SCENE account, they "ONLY" give me the initial 250points. so my guess is that will all the minimal spending i am using for this SCENECARD, it will be probably last quarter of 2011 that i will get to 1000points

Doug,i havent officially transferred my accounts yet. I just only went at Scotia and asked some questions about it. And the girl explained that, I will have to sign some documents and the process would take about 7 minutes. You see, there is some voice in the back of my mind that says, "I might be going back to Toronto after some time.." That's why. You know, I just came here in BC to have a vacation/visit some relatives (after being unemployed in Toronto for some time) and I was able to get a job here and then right now I realize, i've been 10 months staying here already! Guess, its also because of the saying, "Go, where the job is. That's why, Im still kinda stuck here in BC)

anyway, change topic…

wow, a SCENE hotshot! you have a lot of Scene points!!! (man, i only have 263 points) You better GO watch one of these days. just GO.

and another topic…
this is another experience at my bank, Scotiabank.
actually, its just of of those WTF moments with my bank.
first of all, im not bad-mouthing or anything my bank. i just think,
that David Bach (author of Fight for your Money) is really right.
you know how banks have these high and mighty big buildings and soon and so forth?
first and foremost, it came from the FEES, FEES, and numerous fees they
charge on us everyday we try to do our business with them. i mean, anyway,
this is what happened to me:
a.) i have actually an automatic deduction setup with scotiabank for my World Vision. its basically $35 dollars every 16th of the month. and oh well, this october, our paycheck came late and what can i do? i have no money! im just smiling
what will happen. i really have no money. anyway, have you ever had a negative
balance on your checking account? I did.:lol: i only have $1.74 left.

so what happened?
oh well, come the dreaded date, Scotiabank charged me:
a) $5.00 for "Overdrawn Handling Chg."
b) $4.60 "Service Charge – Monthly Fees"
so when i check my balance online, i have -$42.86! hahaha. negative! welcome to the club!!! (have you ever had a negative balance? oh sure, i did.)

now, i have, really, really no complain on "a)" i accept it, that was my fault.
in fact, i am so relieved that, they charge me $5.00 and not $40 they charge for NSF. but on "b)" i kindy find it weird, why in the world they charge $4.60 and not the usual $3.95??? (for if your monthly balance is below $1,500 a monthly charge of $3.95 is made) so i went to the bank and asked about it.

ohh well my foot, thanks for asking! they explained to me that i did a bill payment (CRA payment) so that another, $3.95 + 65c = $4.60!

and so that is the reason why they charge me $4.60. ok, thank you.
oh well, guess what? after two days, i checked my balance again (at this
time i already deposited some cash to make my account balance positive),
and this is my WTF moment from Scotiabank:

they freakin charge me: $1.00 for that inquiry i made! mind you, i did
not even get a hardcopy of it, just a word from one of the teller and
oh yeah. wTF that is. what kind of horseshit is this!!! what a pain in the "you-know-where" is this?

CHECK OUT OFFICIAL SCOTIABANK Account Fees at a Glance,
http://i1038.photobucket.com/a….._fee-1.jpg

look, i gave up. really. what can i do?

me: "Hi, miss scotiabank, i would like to make a balance inquiry on my account
because i find something wrong on my account charges this month…."

scotiabank: "of course well, do. but that would be $1.00, sir."

@#^@#^$!!!