The 1 year rate is 4.00% for non-registered and 4.25% for registered GICs.

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

^* 3.10% promotional interest rate is for net new deposits to Canadian-dollar Business Advantage Accounts. The promotional interest rate is made up of the regular posted variable annual interest rate of 1.55% and the variable annual promotional rate of 1.55%. The promotional interest rate is calculated daily and paid monthly on net new deposits to a maximum of $2,000,000. For new accounts opened between October 21, 2026 and January 8, 2027, interest will be calculated beginning on the date the account is opened and continuing 730 days (2 years). For existing accounts, interest will be calculated from October 21, 2026 to October 20, 2028. Any change to the regular interest rate will result in a corresponding change to the promotional interest rate. The offer is limited to one account per business client and cannot be combined with other offers. The offer and rates are as of November 2, 2026 and subject to change without notice. See full Terms and Conditions for new clients and for existing clients respectively for details.

I spent all my survey comments pleading for more Online Functionality & Convenience, and for the Abandonment of their Old (out-of-date) Heavy reliance on 'Banking By Phone'.

An Unheard Cry In The Wilderness❓

We'll see . . .

Dean

P.S.
Their emailed survey ends tomorrow, Nov. 2nd.

NokomisStation said

I last had an account with ICICI Bank in 2009. Their website indicates that they are CDIC insured (as did post #3 above)

https://www.icicibank.ca/cdic/.....efault  

Ok thank you for the reply and the information.