How recent was that? They had very short wait times before the transition to Simplii and the 3% offer in Nov17. That resulted in massive volumes of calls--then. But by now things should have calmed down--at least until it gets close to 28Feb, the promo ends and everyone is trying to move money out in anticipation of the next promo.
That would be enough to answer your original question. If "which makes me think they are all joint" they'll confirm it and explain how they establish primary, which account(s) qualify for 3%, etc. If they won't confirm this about her account then it's not joint. Then you could ask a hypothetical question about whether a spouse's individual account is also considered primary. This isn't rocket science.2. my wife has her own Simplii card # so not sure if they will give me any info.
There you go...3. I can make transfers out of her account so I think they are probably joint.
Again, call Simplii and ask. If you have to wait more then a few minutes, then give up on calling them.I forgot to mention, I was going to use Tangerine system to pull the money from Simplii and just wondered if Simplii had a daily account withdrawal limit even though the individual amounts were $100K each.
Actually I just made future transfers using Tangerine to move money so they should work unless Simplii has set limits.