SImplii Financial - 3.0% Interest on New Deposits until February 28, 2018 | Page 10 | Simplii Financial (formerly PC Financial) | Discussion forum

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SImplii Financial - 3.0% Interest on New Deposits until February 28, 2018
December 20, 2017
2:09 pm
Bill
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My impression from the posts here over the years is a lot (not all, but a lot) of the problems people experience are magnified because some folks are reluctant to call and talk to a person. Non-verbal communication. e.g. messaging, is not as effective and timely, often, as a clear, detailed person-to-person conversation - in my opinion. Londonguy's comments about his phone-in experience bolters my impression.

December 21, 2017
1:30 am
rfdm4g4g9
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Bill said
My impression from the posts here over the years is a lot (not all, but a lot) of the problems people experience are magnified because some folks are reluctant to call and talk to a person. Non-verbal communication. e.g. messaging, is not as effective and timely, often, as a clear, detailed person-to-person conversation - in my opinion. Londonguy's comments about his phone-in experience bolters my impression.  

That's true.

For example if you want to link your external account and don't want to mail them a VOID check for linkage, i.e don't want to waste a check, stamp, envelope , risk a lost check in mail, wait 4-5 days for the linkage & don't have time to physically go to a post office/mail box to mail a check.

You can just call them, and they will send you a secure email to your registered email for the linkage. Then you can just SCAN your VOID check and send it via email - within 24 hrs your external account will be linked :). Just write your Customer ID # in the MEMO field of the VOID check and write " LINK " or " ADD " account.

More easy, convenient & faster than mailing a VOID cheque for external account linkage.

But Simplii also has to UP its game and allow 2 Micro deposits from your external account, which you then confirm for linkage. Instead of this VOID cheque nonsense. That way even accounts which don't have a check , like external HISA accounts can be linked 🙂

January 11, 2018
8:22 am
bhuc
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WARNING ! Danger !

Simplii has the worst online process for transferring money to an external F.I. I have ever seen !
If you want to xfer money into a savings account today then the only date available is tomorrow !
The xfer can not happen today, it must be post dated until tomorrow!

Then when you actually confirm the xfer it actually back dates the transaction to today when viewed in the upcoming transfer screen.

WARNING !
But wait you actually can't delete it if you want to change or delete IT.
It is captured by their system and can not be deleted !

Your stuck, the money's coming out of the external F.I. and nothing can stop it.
Better make sure you have enough cash to cover the xfer or its a NSF fee.

If it wasn't for the fact that Simplii is paying 3% interest (promo til Feb 28-2018) on new cash I would never deal with them.

Bottom line is they have a very antiquated legacy system.

January 17, 2018
3:59 pm
Londonguy
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Phoned Simplii today to try rfdm4g4g9's shortcut method for linking external accounts at other FIs to my Simplii accounts -- the rep I got didn't know they could do that by secure email, but she does now, although there was an extra form to complete when I did it -- so here's how to pull this off if you're interested

In their secure email they send you a Pre-Authorized Debit (PAD) form to print, of which you need only complete Section A, which covers sporadic transfers -- the PAD form and a void cheque then has to be sent back to them to link the account

I solved the 'supply a void cheque' problem by taking a picture of a blank cheque using my smartphone, printing the picture, then writing VOID on the body of the pictured cheque as well as my CIF (customer ID #) and the words "add account" in the memo field -- then I took a second picture of the doctored first picture, emailed the new picture to myself, and then turned that JPG into a PDF using an online converter

Same idea with their PAD form -- I printed it, filled it in, took a picture of the completed form, emailed that to myself and then made a PDF out of the JPG -- since I was linking 2 accounts at 2 different institutions, I had to create a form and a void cheque for each one-- I then fired all the PDFs back in a reply to their secure email

Trust me, it sounds more complicated than it was to actually do it -- only took me a few minutes once I figured out how to create a digital version of what they want

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