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  #1  
November 4th, 2008, 04:39 PM
Mama.Angie's Avatar Platinum Supermommy
Join Date: Apr 2008
Location: Ontario, Canada
Posts: 14,431
I just got royally messed up because of bank fees. Not always a big deal for me, but sadly, we are very tight for money this month. So when the bank fees came out, I had to run around and figure out what to transfer from where, when I needed to send DH to the bank for what... etc...

STRESS.

Anyhow, who do you bank with? Why?

I use TD Canada Trust. Normally pretty good... but really I think its because I have always been with them, so its familiar. Maybe its worth me taking a look into other banks.. Not just because of this fee stuff, but because of other reasons I might not know about. Time to do some research.
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  #2  
November 4th, 2008, 05:24 PM
blondie-lox's Avatar Do NOT feed the Troll
Join Date: Feb 2008
Location: ON, Canada
Posts: 16,621
I also go to TD Canada Trust, because I have always been with them. I also like how they have the longest hours of any bank.
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  #3  
November 5th, 2008, 07:12 AM
2pinks&ablue's Avatar Chantelle
Join Date: May 2007
Location: NB, Canada
Posts: 36,142
We have two accounts, one at ScotiaBank (the one we use for bills, chequeing, and we have our Visa through them) and one at CIBC (mine from before DF and I moved in together and started using the same account, now we use it for whatever short term savings we have).. I think it's just because we've always been with these banks and we've never had a problem with either of them..
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  #4  
November 5th, 2008, 10:26 AM
Veteran
Join Date: Nov 2008
Location: Kitchener, Ontario
Posts: 116
I use TD as well. Always have, and I've always been very impressed at how helpfully they are. Walked in for a car loan one day, walked out 15 min later with a cheque. Went in when I was a victim of card fraud (someone created a duplicate card and took money from my account). The lady in the bank was very helpful and got everything straightened out no problem. I also like how they are open late and around me, there are a multitude of TD machines to go to.

I have banked at PC Financial as well, and I love that there are no fees. But I've been hesitate about completing switching everything over since TD has been so great, and are always willing to help when I need anything, and I don't want to lose that in case anything were ever to happen.
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  #5  
November 5th, 2008, 02:31 PM
cherry08's Avatar Platinum Supermommy
Join Date: Sep 2008
Location: Toronto, ON, Canada
Posts: 5,825
I use Scotiabank - although they don't have the longest hours I find they have reasonable fees and good service and there are no surprises with them.
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  #6  
November 8th, 2008, 09:28 AM
meghan.'s Avatar Platinum Supermommy
Join Date: Apr 2008
Location: Ontario, Canada
Posts: 5,996
We have a joint account with TD. Our mortgage and visa are through them too.

I've never had a problem with the fees ever since I was with PC. I don't think the fees for our particular type of account are bad at all, and I am more than happy to pay fees than to bank with PC ever again. I had multiple horrible experiences through them.
I was with CIBC a while back, and after doing some research, switched to TD.

I like EasyWeb and their extended hours. They have also always been extremely helpful.
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  #7  
November 8th, 2008, 10:57 AM
Just_Marie's Avatar Platinum Supermommy
Join Date: Jan 2006
Location: Canada
Posts: 28,159
I use Royal Bank (easy online stuff) and some stuff at BMO---I like my airmiles
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  #8  
November 8th, 2008, 09:28 PM
2Reasons2Smile's Avatar Love my little family <3
Join Date: Mar 2008
Location: Canada
Posts: 19,398
Quote:
I also go to TD Canada Trust, because I have always been with them. I also like how they have the longest hours of any bank.[/b]
Ditto and I also have and account with BMO and have a bmo mastercard I like the airmiles from that
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  #9  
November 13th, 2008, 01:35 PM
babydahl's Avatar Platinum Supermommy
Join Date: Jun 2005
Posts: 13,871
We deal with Servus credit union (formerly capital city savings). We have our bank accounts, as well as our mortgage through them. They're very personable and friendly, which is a clincher for us. We also like their online banking featuers a lot.
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  #10  
November 14th, 2008, 08:12 AM
Kalia20's Avatar Platinum Supermommy
Join Date: Jul 2007
Location: ontario canada
Posts: 5,888
I have CIBC and I HATE them, they are so expensive. Their bank fees and VISA fee's are NUTS. 19.5% VISA, and they keep raising my limit. Im so sick of calling and telling them to turn off the automatic limit raise. It works once, then starts all over again *sigh* My Mastercards dont do that. CIBC is also calling my cell phone once a month trying to sell me this GREAT deal on new bank accounts, insurance, etc, its so annoying. Im sick of going to the teller and telling them again and again no, I dont want overdraft, I had it, I got rid of it for a reason. No, I dont want a savings account, I closed it for a reason. I find them pushy, no matter what branch I go to. Oh, and they were charging me for overdraft fees when my account never WENT into overdraft. That was fun for a few months. Imagine having to FIGHT to get my money back when they could plainly see I was ripped off!! ARG. LOL I hate CIBC.

I want to switch to TD, but I have my ING account, my gov't paychecks (EI, gst, etc) and state farm linked to that account.

ING is coming out with a tax free up to $5000 savings account in Jan, Im gonna switch my account over to that eventually.
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  #11  
November 16th, 2008, 05:35 PM
~Valerie~
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Posts: n/a
We're with Scotia
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  #12  
November 19th, 2008, 12:21 PM
_Brandy_'s Avatar Platinum Supermommy
Join Date: Dec 2004
Location: Fort McMurray, AB, Canada
Posts: 13,240
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Quote:
We deal with Servus credit union (formerly capital city savings). We have our bank accounts, as well as our mortgage through them. They're very personable and friendly, which is a clincher for us. We also like their online banking featuers a lot.[/b]

Same here. But we do have a credit card with CIBC and another with BMO. And a mortgage (for our business) with CIBC.
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  #13  
November 21st, 2008, 12:07 PM
JMTSMOMMA's Avatar Platinum Supermommy
Join Date: Apr 2008
Location: Manitoba,Canada
Posts: 7,275
Always a credit union girl here! The big banks can stick it you know where!!
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  #14  
November 28th, 2008, 02:26 PM
JennLynn_'s Avatar Mega Super Mommy
Join Date: May 2006
Location: Pickering, Ontario, Canada
Posts: 3,208
I've been with CIBC since I was 9 (i'm 30 now). I've never had any problems with them. I only recently got a VanCity account (which is a credit union in BC) because at the time I had a job where my cheques were from VanCity and therefore wouldn't hold them.
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  #15  
November 30th, 2008, 12:16 PM
Nikhol's Avatar Veteran
Join Date: Nov 2008
Posts: 185
I used to use Scotia all the time because my mom used to work for them - since we got married we opened a joint acct with TD our main reasons were the hours, and the best user friendly website (we do 90% of our banking online
and my DH still has a separate account with Royal simply because he's had it since he was a kid and pays no fees with them(glitch on their part), so our visa is through them, which is pretty nice
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  #16  
December 4th, 2008, 11:15 AM
..Jessica..'s Avatar Platinum Supermommy
Join Date: Jun 2007
Location: Canada
Posts: 11,084
I'm with Royal Bank. I love their online banking features, but hate the interest rate on my Visas, I also just opened up a new savings account with them EASY online.
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