After joining PCF I have found getting information rather incomplete and limited. On several situations I have asked two or three questions and received resposes sometimes only to one and even that sometimes was misinformation or didn't deal in total with anything the three questions may have requested. One such situation was about the encumberances of portabilty on TFSA Accounts. Their response was a $50 fee for transfers intiated by another institution would be paid to them from the account. Okay so going beyond that what about inbranch transfers to other accounts. Their response was, write post dated cheques against the TFSA account to relocate to another in branch account. This I suppose indicates THAT CHEQUES CAN ONLY ACCESS LIMITED AMOUNTS ON DEPOSIT within certain timeframes. Advertising of these TFSA accounts in 2008 indicated that these accounts were to be unencumbered allowing access anytime, withdrawals at your convenience and nontaxable interest accumulation. Sounds as though at least as far as PCF is concerned those perks are incorrect and as result we have what we have. Fee/penalties for transfers, no easy access to deposits and an interest rate that insults every depositors intelligence. Looks as though we've been had again. I think the gov't had good intentions but leave it to banks to screw up a GOOD IDEA. The best fee free accounts are offered by Canadian Tire Financial but even their rates although the highest, leave much to be desired.