How do I make my Single HISA Savings account JOINT ? Can't do it Online :( | Simplii Financial (formerly PC Financial) | Discussion forum

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How do I make my Single HISA Savings account JOINT ? Can't do it Online :(
November 30, 2017
3:17 am
rfdm4g4g9
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I have a Single Savings - HISA account with Simplii.

You cannot open a JOINT - HISA account online or make it JOINT online after opening a Single HISA account. There is NO provision online to make it JOINT.

How do I make this Single account JOINT with another person ? I just want to add this person to my account as a Secondary holder. The other person is NOT a Simplii customer and has NO accounts with Simplii.

Do I just call in and ask them to add the other person & make it JOINT ? How do they get the other person's Signature & Photo ID on file ?

I had to do a Canada Post verification & send a Signature card when I opened my account.

Will the Joint account holder, whom I will add have to do the same ? Or is it just strictly over the phone, where they take his/her name , D.O.B , maybe SIN & the account becomes JOINT ?

What was the procedure for making an account JOINT with PC Financial ?

November 30, 2017
6:12 am
Top It Up
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Again more excitement - have you thought about just phoning them with your questions OR reading the FAQs?

From their website

Call us at 1-888-723-8881

--------------

Can I open a joint Simplii Financial account?

You can open a joint account with one other person. We will deposit to the joint account any cheques that are payable to both or any one of you, and will require only the signature, authorization or consent of one of you to carry out transactions on the account.

December 2, 2017
6:39 am
dougjp
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As Top It Up said, no big deal. However it IS a big deal if you want it to happen quickly - it won't, so don't come back here screaming 😉
Multiple steps, each done individually one after the other with breaks in between, will take weeks to conclude. Nobody knows why....

December 2, 2017
10:35 am
Doug
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dougjp said
As Top It Up said, no big deal. However it IS a big deal if you want it to happen quickly - it won't, so don't come back here screaming 😉
Multiple steps, each done individually one after the other with breaks in between, will take weeks to conclude. Nobody knows why....  

I agree with the original poster here, though. As an online bank, they should be providing the option initially to select "joint account" and then allow you to enter the information for each of the account holders and then both either sending in a signed deposit cheque preprinted with their names on them or visiting a Canada Post location. For adding a joint account holder, yes, this should likely require a phone call, though if they have a secure e-mail account, a request from the account holder should also be possible in terms of preparing necessary replacement signature card and second holder information.sf-cool

Cheers,
Doug

December 3, 2017
5:45 am
Loonie
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There have been numerous comments about the new Simplii's lack of Simplicity, not just on this thread. Seems to me like same old, same old, PC Financial. Every time I think about opening an account there, there are posts like this to remind me that I don't really want to run the gauntlet of doing so. I'm OK where I am - most of the time.sf-smile

December 3, 2017
6:45 am
Top It Up
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Loonie said
There have been numerous comments about the new Simplii's lack of Simplicity, not just on this thread. Seems to me like same old, same old, PC Financial. Every time I think about opening an account there, there are posts like this to remind me that I don't really want to run the gauntlet of doing so. I'm OK where I am - most of the time.sf-smile  

TOO funny, because over on another thread you stated this

Loonie said
Just FYI, my TD accounts are not really so different, depending on specifically which accounts you have. In my case, I can withdraw at ATM from either account. However, chequing account withdrawals at ATM are free, but savings accont withdrawals have a fee. So I have a sticky attached to my card to remind me to always move the money first to chequing (which is a free transaction) before making an ATM withdrawal.  

December 3, 2017
10:27 am
Rick
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Top It Up said

TOO funny, because over on another thread you stated this

Loonie said
Just FYI, my TD accounts are not really so different, depending on specifically which accounts you have. In my case, I can withdraw at ATM from either account. However, chequing account withdrawals at ATM are free, but savings accont withdrawals have a fee. So I have a sticky attached to my card to remind me to always move the money first to chequing (which is a free transaction) before making an ATM withdrawal.  

  

Don't get the joke.
I did apply @ Simplii against my better judgement. Was thinking they could be my second bank, but after reading all the BS you have to go through (Go to the Post Office to ID yourself!! Really!?!), I just let it die. I don't need to play anymore games with my bank, Tangerine keeps me occupied enough in that department. Sadly, they may end up be the one I choose (Tang) when it comes time to diversify my banking.
sf-embarassed

December 3, 2017
10:36 am
Top It Up
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Rick said
Don't get the joke.   

Some days can be just like a CF-18, and pass you by.

December 3, 2017
6:02 pm
Loonie
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Rick, you didn't miss anything. There is no joke. Some people just don't read very carefully.

December 5, 2017
12:35 am
Rick
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Top It Up said

Some days can be just like a CF-18, and pass you by.  

Either that or it just wasn't that funny (Ha-Ha or weird).

December 8, 2017
1:29 am
rfdm4g4g9
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Loonie said
There have been numerous comments about the new Simplii's lack of Simplicity, not just on this thread. Seems to me like same old, same old, PC Financial. Every time I think about opening an account there, there are posts like this to remind me that I don't really want to run the gauntlet of doing so. I'm OK where I am - most of the time.sf-smile  

With the old PCF worse come to worse at least you could physically go to Kiosk in Loblaws brand of stores and get some of the physical stuff done.

With Simplii you can't even do that ! For an Online bank most of their stuff is still via snail mail & calling Call centre.

Mailing a Signature Card ?? Mailing in a physical VOID cheque ?? Physical verification at Canada Post location ??? - Lot of nonsense.

No micro deposits allowed to link external accounts.

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