Norman1 said
At Manulife Bank, one can link by uploading their Funds Transfer Agreement along with the void cheque or PAD form for the external account.  

And Manulife Bank is available when using Flinks at Oaken and Haventree. I haven't completed the process because I closed my Manulife Bank accounts a while back.

Oaken can also link manually with a voided actual cheque or stamped PAD information form.

victor6433 said
Using Flink sucks, it does not allow me to link some accounts but Eq let's me link it, Not Tang, Manulife or oaken.
It's totally garbage.  

No Bank or Credit Union can link to Oaken accounts because Oaken is more of a digital front-end for accounts at Home Bank/Trust and Oaken accounts do not have transit numbers. Any EFT to/from Oaken has to be initiated from Oaken.

Oaken uses Flinks to link to successfully link to many FI's. I've used Flinks via Oaken to connect to BMO, EQ Bank, Hubert, Tangerine and TD but Haventree doesn't show as available to connect to.

I have also used Flinks via EQ Bank to link to BMO, Hubert, Tangerine and TD.

And I have also used Flinks via Haventree to link to BMO, Hubert and Tangerine.

Intuit used to provide a service called Mint. One gives Mint online banking credentials. Mint stores the credentials. Periodically, Mint would use those to sign into one's online banking sites for Mint to scrape transactions to produce aggregated statements for accounts across all one's banks.

Flinks has been blocked for a time by some banks in the past.

Flinks is not as dangerous. It signs in to download and scrape info. It doesn't pay bills, start Interac e-Transfers, or move funds around.

Banks are banning AI agents due to concerns about unauthorized access and actions taken by these agents that may not align with user instructions, which poses significant security risks to customer accounts and financial information. This decision is driven by the inability of banks to reliably distinguish between legitimate user-directed actions and those initiated by rogue AI agents.

My research shows the following:

JPMorgan Chase Blocks external agents from operating customer accounts.
Bank of America Restricts access for third-party AI agents.
Wells Fargo Similar restrictions on AI agent access.
Royal Bank (RBC) Blocks third-party AI agents from accessing online banking.
TD Bank Bans all third-party personal AI agents from direct access.
Bank of Montreal (BMO) Limits AI agents from accessing digital properties.

There has been discussion on the Forum about concerns about Flinks accessing our accounts when setting up EFT links from some online FI's that require our giving Flinks the login credentials for the target FI.

How does Flinks relate to the current bans being sought by banks to protect customers? Will Flinks come under the same scrutiny as an AI agent?

Stephen

jorno319 said

A combination of the CRTC rejecting Telus' application to apply the fee to CRTC regulated services and customer backlash.

https://www.cbc.ca/news/busine.....-1.6882341

https://www.cbc.ca/news/busine.....-1.6678764

"While Telus didn't need the CRTC's approval to add the surcharge to its unregulated services, the CRTC is very concerned about this practice as it goes against affordability and consumer interest," the regulator said, noting that the fees disproportionately hurt the most vulnerable consumers.

"The CRTC is sending a clear message to Telus and other telecommunications service providers that are thinking of imposing such a fee on their customers."

The regulator said that if the practice continues, it will consider all options at its disposal.

"We heard Canadians loud and clear: close to 4,000 of you told us that you should not be subjected to an additional fee based on the method you choose to pay your bill," CRTC chair Ian Scott said. "We expect the telecommunications industry to treat Canadians with respect and do better."

Ah Yes ⬆️ ... It's all coming back to me now.

The question now is ... will we get a Déjà Vu, on this❓

Time will tell . . .

Dean

Dean said
.
I can't remember . . .

What convinced Telus to back-off, on their attempted CC processing fee❓
Dean  

A combination of the CRTC rejecting Telus' application to apply the fee to CRTC regulated services and customer backlash.

https://www.cbc.ca/news/busine.....-1.6882341

https://www.cbc.ca/news/busine.....-1.6678764

"While Telus didn't need the CRTC's approval to add the surcharge to its unregulated services, the CRTC is very concerned about this practice as it goes against affordability and consumer interest," the regulator said, noting that the fees disproportionately hurt the most vulnerable consumers.

"The CRTC is sending a clear message to Telus and other telecommunications service providers that are thinking of imposing such a fee on their customers."

The regulator said that if the practice continues, it will consider all options at its disposal.

"We heard Canadians loud and clear: close to 4,000 of you told us that you should not be subjected to an additional fee based on the method you choose to pay your bill," CRTC chair Ian Scott said. "We expect the telecommunications industry to treat Canadians with respect and do better."

What convinced Telus to back-off, on their attempted CC processing fee❓

Dean

Wrayzor said
Make sure you have a balance owing before over-paying. They don't seem to allow overpayment when you have a zero or negative balance.

That was my experience when attempting to get the 1.5x before it goes away.  

The 1.5x can only go up to the value of the Rogers/Shaw billing amounts on the CC statement. Otherwise, it defaults to 1% cash back on other charges.

Example: If I have a Rogers charge of $150 on the statement, I can only use $100 of the reward amount to get the 1.5x = $150 credit on the Rogers charge. I ran into that limitation this month. I am assuming I have one more crack at 1.5x for my Shaw bill that will be posted before Nov 18th.

That was my experience when attempting to get the 1.5x before it goes away.

Just before November 18, I'm going to apply all my earned cash back against previous Rogers related purchases to get $1.50 against those purchases for every $1 of earned cash back.

I might overpay my Rogers-related bills by a few months shortly before January 15 to earn 5% cash back before I have to pay the 1.6% credit card processing fee.

Norman1 said
One could consider applying for a Rogers Red Mastercard.

5% cash back on charges for Rogers, Fido, or Shaw bills by the time the 1.6% credit card processing fee kicks in on January 17, 2027. 2% cash back on other charges for having an eligible Rogers service.  

So you are saying one gets 5% cash back on Rogers purchases charged to Rogers MC starting Nov 18 but you will pay 1.6% service charge eff Jan 17 for using a CC. Could be worse. I guess the Cash Back $ accrued is gone on Nov 18 if u dont use it before Nov 18 - is that correct?