Canadian High Interest Savings Bank Accounts - Forum: Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/ Simple:Press Version 6.11.10 fully-retired on New Promo Savings Accounts 4.70% (385% + Variable Posted Rate) https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-4/#p111705 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-4/#p111705 I also got a phone call call from my home branch wanting to place my funds into a different product once the promo ended,but I had head office transfer my funds out before they realized they were gone the previous day.I probably just just taken off the Christmas card list. LOL

]]> Tue, 27 Jan 2026 09:49:47 -0800 canadian.100 on New Promo Savings Accounts 4.70% (385% + Variable Posted Rate) https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-4/#p111703 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-4/#p111703 I received a phone call from a financial advisor from Meridian today. She wants to meet with me to discuss products to which I can move the funds from the 4.7% promo Savings account. My promo does not actually expire until March 25 so I told her it was too early to meet - and besides I am only interested in GICs for one year or less for that money. She said I should consider their Market Linked GICs or bond Mutual Funds. At this point, it looks like the funds are not likely to stay at Meridian once the promo ends.

]]> Tue, 27 Jan 2026 08:52:40 -0800 fully-retired on New Promo Savings Accounts 4.70% (385% + Variable Posted Rate) https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-4/#p111702 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-4/#p111702 I had a 4.8% offer last May for 4 months,1 month before it ended they sent me an offer.Open a checking acc & get the 4.8% extended for 4 more months.(ch acc was 3$ fee per month)4.8% ended middle of Jan. Transferred most out, 6 fig,& transferred over to Oaken for 2 yr. GIC's at 3.50%.When I receive the int for Jan I will transfer it out & leave 1$ & cancel the Ch acc. Had to call head office for the large transfer.Local branch was not very happy with the transfer out.

]]> Tue, 27 Jan 2026 07:22:36 -0800 rhvic on New Promo Savings Accounts 4.70% (385% + Variable Posted Rate) https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-4/#p111701 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-4/#p111701 I opened a new HISA at Meridian in December, with a promo interest rate of 4.7%, never having been a customer before. On Jan 25 I got an email from Meridian offering me a $100 bonus if I also open a chequing account. I had a few questions re the linked terms and conditions, so I phoned them. The agent soon informed me that there is no such current promotion, that it ended in October! Say what?? Why send this out if it is not valid?

Did anyone else recently get this $100 'offer'?

I am awaiting further discussion with Meridian.

]]> Tue, 27 Jan 2026 07:08:23 -0800 canadian.100 on New Promo Savings Accounts 4.70% (385% + Variable Posted Rate) https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-4/#p111678 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-4/#p111678

Lodown said
Never heard of that. All banks that take the currency make it available immediately as far as I know.

Bank machines reject currency the machine cannot certify to be genuine. Maybe the bank machine software was not working properly and instead of rejecting the currency, it took it anyhow? I would go into the bank and ask for an explanation.  

I took your suggestion - I just phoned Meridian - the agent said hold periods for cash deposits in ATM can vary from 5 days to 10 days - since they felt I was only in for the promo, they put on the max 10 day hold - the agent suggested I deposit cash with a teller and not ATM and it will likely be a much shorter hold.
I don't think this experience helps to encourage me to make Meridian my main bank, when the 4.7% promo ends.

]]> Mon, 26 Jan 2026 02:27:52 -0800 JohnnyCash on New Promo Savings Accounts 4.70% (385% + Variable Posted Rate) https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p111675 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p111675

Lodown said
Never heard of that. All banks that take the currency make it available immediately as far as I know.

Bank machines reject currency the machine cannot certify to be genuine. Maybe the bank machine software was not working properly and instead of rejecting the currency, it took it anyhow? I would go into the bank and ask for an explanation.  

I think it's just the way Meridian operates, I'm still waiting for them to release a small test pull that I initiated 2 weeks ago. It's why I've historically only ever did push and pulls from other financial institutions with Meridian.

]]> Mon, 26 Jan 2026 01:56:32 -0800 Lodown on New Promo Savings Accounts 4.70% (385% + Variable Posted Rate) https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p111673 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p111673 Never heard of that. All banks that take the currency make it available immediately as far as I know.

Bank machines reject currency the machine cannot certify to be genuine. Maybe the bank machine software was not working properly and instead of rejecting the currency, it took it anyhow? I would go into the bank and ask for an explanation.

]]> Sun, 25 Jan 2026 23:00:48 -0800 canadian.100 on New Promo Savings Accounts 4.70% (385% + Variable Posted Rate) https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p111663 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p111663 I got the promo more than a month ago and have a nice balance in the acct.
I happened to deposit some cash (ordinary Canadian banknotes) in the account on January 12 using the Meridian branch ATM - and I note there is a hold on that cash for 2 full weeks. The hold will be lifted this week - of course it is normal to have holds on cheques but it seemed strange to me to have a hold on cash notes for a relatively small amount. It does not really matter - since I am not withdrawing and also since there is more than adequate free funds if I needed to withdraw some cash. Has anyone deposited cash notes into the Meridian ATM and it is on hold for 2 weeks? My very first deposit into this Meridian account was a cheque and the hold was gone after one week.

]]> Sun, 25 Jan 2026 05:39:28 -0800 julio on New Promo Savings Accounts 4.70% (385% + Variable Posted Rate) https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p111006 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p111006 As I told in another post, it literally pays to go to a different branch. In one branch, you are not eligible, 3 hours and 1400 meters later, in another branch of the same FI, you are eligible. Go figure. Firsthand BMO and Meridian experience.

]]> Sun, 21 Dec 2025 09:44:01 -0800 COIN on New Promo Savings Accounts 4.70% (385% + Variable Posted Rate) https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p111004 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p111004 No big loss in my case. I got an offer from one of the "Big 5" banks. Obviousy, the Big 5 in this case value the business from one of their existing clients.

]]> Sun, 21 Dec 2025 09:30:19 -0800 dommm on New Promo Savings Accounts 4.70% (385% + Variable Posted Rate) https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p110991 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p110991

COIN said

Interesting. Wonder how many other existing members also got the preferential rate (if any)?

In my case, I was effectively told to get lost.  

I was told the same as far as opening a new savings account under my (solo) name because as far as Meridian was concerned opening a second savings account was not considered NEW. To get around that I opened a new joint savings account with my wife who was also a Meridian customer which Meridian considered a NEW savings account which made this joint account eligible for the preferential rate.

]]> Sat, 20 Dec 2025 23:01:32 -0800 COIN on New Promo Savings Accounts 4.70% (385% + Variable Posted Rate) https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p110988 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/new-promo-savings-accounts-4-70-385-variable-posted-rate/page-3/#p110988

dommm said

I have been a member for many years & was eligible for the preferential interest rate so at least in my case being a member did not exclude me from getting the preferential interest rate.  

Interesting. Wonder how many other existing members also got the preferential rate (if any)?

In my case, I was effectively told to get lost.

]]> Sat, 20 Dec 2025 22:06:33 -0800 scrooge on External Transfers with Meridian https://www.highinterestsavings.ca/forum/meridian-credit-union/external-transfers-with-meridian/page-2/#p110961 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/external-transfers-with-meridian/page-2/#p110961

JohnnyCash said

Great, the reality is it doesn't for many others, let's leave it at that.  

It doesn't work for me either.

5 different banks!

No problem linking from other banks though, so I will just pull the funds out.

]]> Thu, 18 Dec 2025 15:01:46 -0800 KamWest on External Transfers with Meridian https://www.highinterestsavings.ca/forum/meridian-credit-union/external-transfers-with-meridian/page-2/#p110941 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/external-transfers-with-meridian/page-2/#p110941 More checks...

It goes without saying but turn off any VPN and adblockers if you have them.

I have even had the built in popup blockers the browsers come with interfere with some banking apps. Go into site settings and make sure you allow popups from the site as well.

]]> Wed, 17 Dec 2025 22:19:18 -0800 KamWest on External Transfers with Meridian https://www.highinterestsavings.ca/forum/meridian-credit-union/external-transfers-with-meridian/page-2/#p110940 Meridian Credit Union https://www.highinterestsavings.ca/forum/meridian-credit-union/external-transfers-with-meridian/page-2/#p110940

JohnnyCash said

Great, the reality is it doesn't for many others, let's leave it at that.  

Really now, you think your opinion is all mighty?

Get real, instead lets focus on why it is not working for some people, ie browser, settings etc.

I'd appreciate you keep non helpful responses away from mine when I'm trying to help members and all you're doing is criticizing the system.

So, I'm using a chromebook with chromeOS and it works perfectly. Also the accounts are well established with a good history so that might play into it.

Additionally one can try on mobile and desktop, I personally have always used desktop so maybe one of the two will work better than the other.

]]> Wed, 17 Dec 2025 22:04:46 -0800