For the rest I continue to get my tiered rates in effect until Dec 31.

I assume paid interest into these accounts is not counted as a “deposit” for these promos?

Spouse on tier (2.5% for $ => $50k, 3.0% for $ => $100k) thru Nov 30 just got 4.25% on new $ thru Nov 30.

New deposits make 4.25% until November 30, 2026

Plus, you’ll keep earning your applicable Tiered Savings Rate on existing balances for maximum momentum!

They had already limited the number of manually linkable slots to three.

Now even those are just grandfathered and we're now stuck with the three that were already linked.

I've never used the shady scraper APIs like Flinks/Plaid (data most probably kept in the USA too) and am going to resist as long as there's a way to do it manually with any FI... EQ Bank for e.g. until now has had an un-advertised offline method to do it by calling the Rep and providing creds.

(Open Banking was supposed to be fast-tracked under Carney, by the way, whatever fast-tracked means when the Big 6 will do all in their power to resist or delay!)

So people may want to log in to see if they're being offered a new promo, even if they are on a tier scheme as I received no email or notification of this promo, it just shows up in the details of the account.

Dean said
I've Never heard any reports to the contrary. Has anyone else ?
Dean  

Plaid settled a class action lawsuit for scraping more data than they disclosed they were taking. So there's that.

Search "Plaid lawsuit settlement" and you'll find plenty of reports.

hwyc said
... I added more funds to reach the next tier yesterday but my rate didn't change. Tangerine told me on-hold amount does not count toward the eligible *total* balance! My new tier rate applies when the hold is released.

I finally climbed to next tier. However, that Tangerine agent told me completely wrong info. I didn't get the rate earlier because I included a non-primary GIC in my calculation. Being on hold or not doesn't really matter! The tier rate in effect is shown in the account detail.

(On a different note) People in tier could receive *new money* rate offer as well. The combination is really double-edged … it could help you … it could hurt you!

Here's what you need to know:
. This rate only applies to new deposits to your eligible savings account(s), on up to $1,000,000 per eligible account type
. Existing balances in your eligible savings account, before 'some date', will keep earning your applicable Tiered Savings Rate for maximum momentum

The Consumer-Driven Banking Framework will allow bank clients to authorize specific third parties to access their bank account info without disclosing online banking id and password to those parties.

Those parties will sign in using the party's credentials, not the credentials of the bank clients. A client can later unauthorize a third party to end future access by the party to the client's info.

Some steps in that direction were SecureKey digital ID and Verify.Me.

You can change password as much as you want before and after Plaiding. But at the moment of linking, they have your valid credentials, and login to your external FI as YOU. They have full access just like you. They can see, for example, your list of accounts owned including registered, non-registered, savings, chequing, trading, joint, account balances, your investments etc. You heard of various organizations with data breach. Sooner or later, it will happen to this company too. Someone would want to buy these information for sure.

It is what it is. I heard the government is pushing open banking. I wonder if this Plaid thing is one of the steps for that goal. End of privacy.

They have served us well. They still do.

Dean said
What Markus said ⬆️

I've used Plaid (via Tangerine) and Flinks (via Oaken) quite a few times now, and so far they've been 'Bullet Proof'.

I've Never heard any reports to the contrary. Has anyone else ?
Dean  

I haven't heard boo and have been using both for years.