Warwick111 said
Got the same offer too. My previous offer @ 4.25% expired on August 31 and I did not expect a back to back offer. I emptied out my accounts on Sept 1 and now the money is coming right back.  

That's a bit unusual, typically there's a month's gap in between. I would have done the same thing as you had by withdrawing everything out on Sept 1 to squeeze out as much interest as possible and then waited to see if they would target again in October. The snapshot for this offer was the 4th so it worked out well for you.

hwyc said
Got 4.5% (YMMV) on new money from Sep 5 to Nov 30
Activation required by Sep 30  

Got the same, I thought they would have started their targeting either yesterday or wait until Tuesday. Surprised they did it on a Saturday, but not surprised they upped their game to 4.5% considering the volatility in global bond markets where paying that much is cheap compared to what they would have to pay borrowing from elsewhere. Anyone considering jumping into GIC's right now is better off holding off if they can for better rates that are likely coming sooner rather than later.

Top Dogg said Shakepay where they're offering a 5% interest rate.  

Their Cash account said 3% paid in crypto.

This seems to be a distinct change in tactics in the promos. Previously they would start around the 4th of the month with balance on that date being the "base amount" above which the bonus interest would be paid. Players would ensure to have a minimal balance at the start of the month just in case.

This time I got an email on Aug 27 informing me I'd been enrolled as of Aug 26, with balance on that day being the base amount.

Coincidentally (or not) they also have a contest based on balance at the end of each month, so anyone playing that game will tend to have a large balance towards the end of the month - reducing the impact of the promo rate.

I had all my funds moved to a 30-Day Notice account at EQ and had been evolving a system of transferring a lump sum to be deposited towards the end of the month to Tangerine to cover bills for the month. So they caught me a bit flat-footed with a larger balance than I would normally have had.

It's more like a lottery than ever.

In short, definitely not the complicated process just described

Bibliophile said You can call in to have them set up the new link, which will include the usual micro deposits.  

According to this post on RFD, this client tried to set up the manual link by calling them.

yes, I call them today, and I gave up on them. Not going to do it
Call #1: Hold for about 35min, told me I can't do it on my computer but I will be able to do it if I use Tangerine App. I hang up , download the app, Nop, only option is use Plaid.
Call #2: Hold for a bit over 1hr. Told me Only way to do manually is do 2 small deposit. No online/auto process option. The whole manually process will be:
1). I send them bank statement from the bank I want to link , they need to match my name and address is same.
2). After they verify, I have to call in, at that time they will deposit first small amount, which will take 3-5 days to show up on the account I try to link. Once I see it, I have to CALL in to verify that amount.
3). Must wait for 5 business days, Then Call in to ask them do the 2nd small deposit. When I see the small 2nd small deposit, call in again to verify the 2nd small deposit.
So that will be at least another 5 call.

If this is indeed the case, it sounds like Tangerine (owned by a Big 5) is playing a 3rd-rate fintech game where they must allow a method because they're legally obliged to but will make sure by making it so insane, very few will do it!

Those class action lawsuits sure help make lawyers rich, but the applicants get crumbs or nothing. Lately, they've even been charging a fee to get the tiny payouts.

… as is Google … who runs Maps and label the same lake with 3 set of rules! Elbows up Eh!

Wrayzor said

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.  

Thanks for sharing ⬆️, Wrayzor.

That happened back in the day when they were just a start-up . . .

Link ➡️ https://www.courthousenews.com.....umer-data/

I see they got their hands slapped Pretty Good ... to the tune of a $58 Million class action settlement, plus $11 Million in Fees❗

I bet they never do that again ... LOL

Dean