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Email thisWebsite: https://www.implicity.ca/
Headquarters: Winnipeg, Manitoba
Parent company: Entegra Credit Union
Credit union? Yes
Available to Quebec residents? Yes
Founded in: December 2012
Following Implicity Financial’s merger with Outlook Financial, we no longer update its savings account or GIC interest rates.
Disclaimer: Although our best efforts are made, the information posted on this website is not guaranteed to be accurate. Please visit their website for authoritative information.
Latest discussions about Implicity Financial -- view all
| Forum/Topic | Started | Last post | Posts |
|---|---|---|---|
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Implicity Financial |
June 10, 2022 |
June 10, 2022 |
2 |
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Implicity Financial Confirmed: Implicity Financial brand to be phased out and merged into Outlook Financial |
February 5, 2022 |
February 12, 2022 |
13 |
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Implicity Financial |
August 3, 2021 |
August 10, 2021 |
47 |
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Implicity Financial |
August 4, 2021 |
August 5, 2021 |
9 |
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Implicity Financial Does Implicity mail physical stuff to your address, or can you opt out of all snailmail? |
August 3, 2021 |
August 3, 2021 |
2 |
Customer service: Rated 5 / 5 stars
Account features: Rated 4 / 5 stars
Interest rates (consistency and amount): Rated 4 / 5 stars
Fees: Rated 4 / 5 stars
Interface (online, telephone, in-person, etc.): Rated 4 / 5 stars
How long have you banked with them?: 2 years
Why do you bank with them?: Good rates , transfers in and out no issue
What do you like about this bank / credit union?: I actually talk to a person , like a real person ... and no waiting 20 minutes on hold for next agent ..
What could be improved about this bank / credit union?: 2 step authentication needs to be added , web site dated
General comments: Happy with rates , services I have a HISA and TFSA
Review by Mike — April 16, 2020 @ 10:43 am
Customer service: Rated 2 / 5 stars
Account features:
Interest rates (consistency and amount):
Fees: Rated 5 / 5 stars
Interface (online, telephone, in-person, etc.):
How long have you banked with them?: 5 years
Why do you bank with them?: High interest rate
What do you like about this bank / credit union?: Not much, opened account but never deposited. Took them 2 years just to get electronic transfers working with your own bank account.
What could be improved about this bank / credit union?: Unlike the big banks, there is zero authentication with customer service. They look up all your account details and balance just based on your name or email address!! I sent an inquiry whether there are any inactivity fees for not using the account and they 1) Looked up my balance 2) The bank accounts I had linked 3) Informed me that they would need my written authorization to close the account with the account number but then believe it or not, a few days later I got an email saying "your account has been closed as requested" and they deposited the balance into my personal bank account. I never provided my account number or any personal details, they did this just based off of the name in my email address. I always felt unsafe banking with them because from day 1 I noticed even in the online unsecured chat the agents would look up my account info based on my first name.
General comments: Unless someone provides their acccount number or authentication details their agents should not have permission to go willy nilly with all your personal information. Unheard of for a financial institution to be operating this way.
Review by Anonymous — December 1, 2017 @ 4:54 pm
Customer service:
Account features:
Interest rates (consistency and amount):
Fees:
Interface (online, telephone, in-person, etc.):
How long have you banked with them?: 3 years
Why do you bank with them?: They have the best interest rates.
What do you like about this bank / credit union?: Convenient on line banking. Easy to move money to and from financial institutions.
What could be improved about this bank / credit union?: Nothing. Over the last 3 years Implicitly has made improvements to their system and site that brings it to par with any other Bank or Credit Union.
General comments: Hopefully, they can stay in business for a log time to come.
Review by Jeff — June 1, 2016 @ 10:21 am
Customer service: Rated 5 / 5 stars
Account features: Rated 5 / 5 stars
Interest rates (consistency and amount): Rated 5 / 5 stars
Fees: Rated 5 / 5 stars
Interface (online, telephone, in-person, etc.): Rated 5 / 5 stars
How long have you banked with them?: 11 month
Why do you bank with them?: high interest
What do you like about this bank / credit union?: easy to transfer from other account
What could be improved about this bank / credit union?: need free 5 or 10 transaction debit purchase .
General comments: Very good
Review by Ben — January 29, 2015 @ 12:58 am
Customer service: Rated 5 / 5 stars
Account features: Rated 5 / 5 stars
Interest rates (consistency and amount): Rated 5 / 5 stars
Fees: Rated 5 / 5 stars
Interface (online, telephone, in-person, etc.): Rated 4 / 5 stars
How long have you banked with them?: 3 months
Why do you bank with them?: good interest rate at 1.9% easy to deposit money
What do you like about this bank / credit union?: able to transfer funds from my bank to implicity electronically
What could be improved about this bank / credit union?: na
General comments: easy to set up and use
Review by Mike — July 17, 2014 @ 8:00 am