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Mobile app is "in the works"
December 17, 2015
2:44 pm
RicksBank
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I phoned Hubert to ask some questions today and while I had them on the phone I asked if they might someday provide a slick mobile app instead of their limited SMS-based text system. The answer was "yes, it's in the works", but they couldn't give a time frame for release.

December 17, 2015
7:35 pm
kanaka
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So what is the point of a mobile app? Hubert does not have cheques, allow bill payment or have ATM cards. So there is no need to advise me of purchases or account activity. Hubert is really investment based for GICs, isn't it? I have accounts there for % only.

Would be more of a benefit to have push/pull set up for US dollar accounts or a receipt (certificate) summary of GIC entry.

They should "perfect" on what they have before a new advent.

December 17, 2015
11:18 pm
Loonie
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It could be that they are working on ALL these things.

December 18, 2015
9:42 am
kanaka
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Yes, maybe. And they also put out feelers in their last survey for a credit card.

December 18, 2015
9:45 am
RicksBank
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I hadn't ever tried their mobile web access until now. It's quite usable on my large-screen phone (Galaxy Note II). The only benefit of a full-blown app that I can think of is photo check deposit, and maybe the balance quick view that some apps have (like Tangerine). Certainly not huge items.

They also said that account nicknames will come, including for the website view and hopefully for account statements.

December 18, 2015
9:55 am
kanaka
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Good point. Being the old fart that I am...I must admit taking a pic of a cheque to deposit saves one going to an ATM.

December 18, 2015
10:04 am
kanaka
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kanaka said

Good point. Being the old fart that I am...I must admit taking a pic of a cheque to deposit saves one going to an ATM.

Is that something to add to the services chart. Mobile app, and photo cheque deposit?

December 18, 2015
10:11 am
RicksBank
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I use photo deposit at a bank that has it (TD, Tangerine, etc), wait a few days, then transfer it to Hubert or wherever I'm getting the best rate, sometimes using Hubert as the hub in a 2-step transfer. Photo deposit at Hubert would save those steps. The more CUs that have it the better, I figure. I don't receive many cheques though, just a few per year.

December 18, 2015
10:31 am
Yatti420
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I'm ok with a mobile app.. Hope it arrives soon!

Cheque deposit and the usual would be nice.. Aswell as the ability to wire(ETF) money to any account.. Just like we do when we withdraw externally.. To be honest I would rather withdrawals work like this so I can send it anywhere\anyone I choose!

December 18, 2015
11:00 am
kanaka
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In hind sight Hubert already has push pull. So the only need to take a pic of a cheque for deposit is rare for my wife and I. Nice but in thinking about it, I would rarely use. And no doubt cheques will be a thing of the past. While I don't know how to do it.....can you not send money from your bank account by email using interac? Perhaps not every bank or CU offers?

December 18, 2015
1:18 pm
Loonie
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I hope these updates aren't the reason they just dropped their rate 5 basis points.
I'd rather have the better rate, and this is a niche they no longer occupy. The Bank of Canada may have have huffed and puffed but they haven't blown down interest rates since last Spring, so what's the problem?
As RicksBank suggests, you only need one account where you can deposit cheques through an app. I mean, how many cheques do people get these days? I only get a small handful per year.

I would be quite content if there was one bank/CU whose niche was to always have the best rates, by at least 25 basis points. Tang is actually doing better at that at the moment, and still offering the frills and spending a ton on advertising. Hubert does neither of the latter, so why can't they offer a better rate?

December 18, 2015
1:44 pm
kanaka
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Loonie said

I hope these updates aren't the reason they just dropped their rate 5 basis points.
I'd rather have the better rate, and this is a niche they no longer occupy. The Bank of Canada may have have huffed and puffed but they haven't blown down interest rates since last Spring, so what's the problem?
As RicksBank suggests, you only need one account where you can deposit cheques through an app. I mean, how many cheques do people get these days? I only get a small handful per year.

I would be quite content if there was one bank/CU whose niche was to always have the best rates, by at least 25 basis points. Tang is actually doing better at that at the moment, and still offering the frills and spending a ton on advertising. Hubert does neither of the latter, so why can't they offer a better rate?

Good point. It appears to me that Hubert has developed a decent product that is most cost effective to run and manage. So why the rate decrease? Will others follow next week? It would now, be interesting to see who runs the most cost effecient operation.....Hubert, Accelerate, Oaken, Outlook, Tang...etc.

December 22, 2015
10:42 am
kanaka
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It all makes sense now. Obviously there is competition amonst the Manitoba CUs. Implicity just emailed me theirs.

December 22, 2015
1:28 pm
Loonie
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Accelerate still holding at 1.8%
I notice, however, that various FIs are starting to promote their 5yr rates.
This is not to say that those rates are exemplary - they're not.
However, it may be a sign that they think rates will rise sometime over the next few years. They want to lock in our money at a good price - for them.

February 22, 2017
11:25 pm
Loonie
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Just to keep historical perspective in mind, Hubert has just now unveiled mobile app and account nicknames, and recently introduced M2M transfers for USD accounts.
It's interesting to see that they do deliver, and how long it takes.

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