Implicity Financial profile, discussions, and reviews

Website: https://www.implicity.ca/
Headquarters: Winnipeg, Manitoba
Parent company: Entegra Credit Union
Credit union? Yes
Available to Quebec residents? Yes
Founded in: December 2012

GIC rate history

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Latest discussions about Implicity Financial -- view all

Forum/Topic Started Last post Posts

Implicity Financial

Careful - Implicity hold policy changed to 10 business days

December 12, 2019
8:38 am by
Dennis
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December 12, 2019
8:38 am by
Dennis
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1

Implicity Financial

Implicity rates down.

September 15, 2019
7:52 pm by
GICinvestor
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September 15, 2019
9:57 pm by
Peter
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2

Implicity Financial

New lower rates as of Aug 27 2019

August 27, 2019
4:07 pm by
GICinvestor
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August 27, 2019
4:07 pm by
GICinvestor
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1

Implicity Financial

No longer offers 6 year GIC

July 13, 2019
9:08 am by
kelbee
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July 13, 2019
1:34 pm by
Loonie
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4

Implicity Financial

Implicity is getting competitive

July 12, 2019
2:36 pm by
GICinvestor
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July 12, 2019
5:03 pm by
Doug
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2

4 Reviews »

  1. 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

  2. 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

  3. 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

  4. 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

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