Personal Finance

QC Friendly vs. No-QC FI's

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  • Dec 11th, 2018 6:20 pm
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[OP]
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May 8, 2009
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QC Friendly vs. No-QC FI's

Thought we should map out what's available to those who only have footprint in La belle province. I may not be able to list all of them, so please post in thread, and I'll add. This will include some CC only issuers.

WARNING: no political discussions. Any posts about politics, official language, bill 101, opinions about Quebec, and anything along those lines will be removed. Infractions will be issued to repeat offenders. Thank you - moderators

Image


BIG FIVE/SIX
All available in QC


SUBSIDIARY BANKS, SMALL BANKS, TRUST COMPANIES
  • Alterna (Bank) - QC friendly
  • AmEx - QC friendly
  • EQ - no-QC
  • Manulife - QC friendly
  • MBNA - QC friendly
  • Motive - no-QC
  • People's Trust - QC friendly
  • Simplii - no-QC
  • Tangerine - QC friendly
  • Zag (closed) - no-QC

HOLDING COMPANIES
HomeTrust - QC friendly for HELOC card, but no-QC for preferred VISA


CREDIT REPORT SERVICES
  • Borrowell - QC friendly
  • Credit Karma - no-QC

Note that credit viewing services via big banks (BNS, CIBC, RBC) are QC friendly.


STORE (CREDIT) CARDS
  • CTFS - QC friendly
  • PC Financial (MasterCard) - QC friendly
  • Rogers - QC friendly
  • Walmart - no-QC

Note that store financing only cards are currently all backed by Desjardins (BB, HD, Leon's, The Brick, etc.). Should be QC friendly as long as the retailer has footprint in QC.


PREPAID CARDS
  • Koho - QC friendly
  • Mogo - no-QC
  • Stack - no-QC

CREDIT UNIONS THAT ACCEPT OUT OF PROVINCE MEMBERS
And their subsidiaries, too!
  • AcceleRate - no-QC
  • Achieva Financial (Cambrian sub) - QC friendly
  • Hubert - no-QC
  • IdealSavings - no-QC
  • Meridian - QC friendly
  • Outlook Financial (Assiniboine sub) - QC friendly
  • Steinbach CU - QC friendly
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21 replies
[OP]
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May 8, 2009
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dekvitaly wrote:
Dec 8th, 2018 11:01 pm
this kind of thread needs their own box....

like US Bank/CC and QC-only
Hence this thread. At least now we can refer anyone asking "is this available in QC" to this thread, which also lists alternatives in each category.
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Deal Addict
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Dec 28, 2009
1176 posts
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You could add Manulife Bank to the list, available in QC!
Member
Nov 26, 2015
294 posts
101 upvotes
Montréal
Can we add credit report service

Credit Karma - no QC
Borrowell - QC
RBC - QC
ScotiaBank - QC
[OP]
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habsfan321 wrote:
Dec 9th, 2018 9:30 am
You could add Manulife Bank to the list, available in QC!
ryan10075 wrote:
Dec 9th, 2018 9:39 am
Can we add credit report service

Credit Karma - no QC
Borrowell - QC
RBC - QC
ScotiaBank - QC
Both added, thank you.

Not sure why this thread gets downvotes. Those uninterested can skip it Thinking Face
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Deal Addict
Oct 4, 2009
2171 posts
907 upvotes
Montreal
Peoples Trust, friendly.
Deal Addict
Sep 9, 2010
3610 posts
2264 upvotes
Burnaby
titaniumtux wrote:
Dec 8th, 2018 9:27 pm
Thought we should map out what's available to those who only have footprint in La belle province. I may not be able to list all of them, so please post in thread, and I'll add. This will include some CC only issuers.

WARNING: no political discussions. Any posts about politics, official language, bill 101, opinions about Quebec, and anything along those lines will be removed. Infractions will be issued to repeat offenders. Thank you - moderators

Image
Is that $1M bill real or just bait for political discussion?
yare yare daze...
[space reserved for peddling, shilling, self-promotion and advertising]
[OP]
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aviador wrote:
Dec 10th, 2018 10:12 am
Is that $1M bill real or just bait for political discussion?
It's an Internet meme. On the topic of financial products available to QC residents. Feel free to suggest an alternative.
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Deal Addict
Feb 21, 2004
1321 posts
127 upvotes
Montreal
Not sure about Simplii but even if PC Financial wasn't QC Friendly, I managed to go open an account in branch in Ottawa and entered my montreal address without any issues.
Got Heat?
Deal Addict
Dec 16, 2017
1342 posts
506 upvotes
Raincouver
HoTiCE_ wrote:
Dec 10th, 2018 3:23 pm
Not sure about Simplii but even if PC Financial wasn't QC Friendly, I managed to go open an account in branch in Ottawa and entered my montreal address without any issues.
that's how people did in the past. No longer applicable sadly.
And for non-driver, they cannot use their Provincial Photo ID to open Simplii as Canada Post rejects the ID.
habsfan321 wrote:
Dec 9th, 2018 9:30 am
You could add Manulife Bank to the list, available in QC!
turned out Manulife is for everyone in Canada now. I always thought it was only QC
Jr. Member
Oct 8, 2005
106 posts
24 upvotes
Longueuil
Outlook Financial (Assiniboine CU) is also friendly.
[OP]
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Flsp wrote:
Dec 11th, 2018 1:53 pm
Outlook Financial (Assiniboine CU) is also friendly.
Added, thank you. Any advantages over Achieva though, or to convince Achieva members to signup for Outlook as well?
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