Credit Cards

Which cards allow autopay of the full balance?

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  • Mar 26th, 2023 11:53 pm
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Jan 20th, 2019 1:11 pm
sierravista [OP]
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Feb 8, 2017
505 posts
386 upvotes

Jan 20th, 2019 1:11 pm

Which cards allow autopay of the full balance?

Tried searching but not getting clear answers. I want my credit card to be automatically paid in full from my chequing account each month. My SPG Amex does this and so does my BMO WE. Just set it and forgot. No way I accidentally miss the deadline.

I'm tired of paying 200$ a year and then having BMO devalue the WE card. I switched to the Scotia Passport Visa but it won't allow me to autopay the balance in full from my bank account.

Does the PC Financial WE have autopay? Any other good rewards card? What are my options here to replace my BMO WE?
Thread Summary
Note: If you can't find autopay from your online account or mail/fax is all you see below, give your bank a call, it might be possible to set up by phone. Please reply to this thread to share your experiences or help us update this summary! :)

Issuers with credit cards that offer automatic payment of the full balance from any chequing account:

Alterna Savings Credit Union (sign in at MyCardInfo, select Payments, select Automatic Payments)
American Express (online signup)
ATB Financial (in branch or by phone)
BMO Bank of Montreal (Sign in to BMO Online Banking and select your credit card under the Accounts tab. Click Account options, then “Automatically pay your credit card bill”)
Canadian Tire (online, after login)
Capital One (PDF, by mail only? - Edit: maybe online also)
CIBC (can set up by phone)
Collabria (credit union VISA cards): offers service but come partners have chosen to opt out - long demo video (In short: sign in at MyCardInfo, select Payments, select Automatic Payments)
CUETS Financial (likely by phone, listed here for completeness as they are apparently winding down operations)
Desjardins (link)
First West Credit Union (via Collabria, a YMMV provider, examples: Envision Financial, Island Savings)
HomeTrust (email [email protected] with which date, minimum or full balance to be paid, your name, your phone number, last 4 digits of your card and attach a VOID cheque)
HSBC Bank Canada (with Canadian external bank account, mail/fax the form : https://www.hsbc.ca/fr-ca/credit-cards/ ... ebit-plan/)
Laurentian Bank
Manulife Visa (fax/mail PDF)
MBNA (can now enrol in online banking Account Services/View Payment Options/Automatic Payments or call customer service or mail/fax the form https://www.mbna.ca/document/PDF/pads_eng.pdf)
National Bank (fax/mail PDF)
PC Financial (Fill in "Pre-Authorized Debit – Enrollment Form" PDF and email/fax or use secure message after sign in)
RBC Royal Bank (for RBC accounts: sign in at rbc.com, click your credit card, then "Set Up Automatic Payments" on the right - for non-RBC bank accounts, call RBC CC phone number to set up)
Rogers (Fill in & sign, then email or mail PDF)
Scotiabank (set it up through the app)
Servus Credit Union MasterCard (online banking or phone)
Simplii Financial VISA (just call customer service)
Steinbach Credit Union (sign in at MyCardInfo, select Payments, select Automatic Payments)
TD Canada Trust (with any Canadian bank account: mail/fax as directed in the TD Visa Pre-Authorized Payment form)
Walmart (Fax or mail this PDF)

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Issuers with credit cards that offer automatic payment of the full balance only from that issuer's chequing account (external FI accounts not supported):

ICBK VISA
Neo Financial
Tangerine
Vancity

--------
The NO list (as of September 2022)

Brim Financial
Meridian credit union
98 replies
Jan 20th, 2019 1:19 pm
prmetime
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Feb 8, 2014
992 posts
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YVR

Jan 20th, 2019 1:19 pm

sierravista wrote: ↑ Tried searching but not getting clear answers. I want my credit card to be automatically paid in full from my chequing account each month. My SPG Amex does this and so does my BMO WE. Just set it and forgot. No way I accidentally miss the deadline.

I'm tired of paying 200$ a year and then having BMO devalue the WE card. I switched to the Scotia Passport Visa but it won't allow me to autopay the balance in full from my bank account.

Does the PC Financial WE have autopay? Any other good rewards card? What are my options here to replace my BMO WE?
Apparently if you contact Scotiabank they can set this up for you on your Passport Visa.
+1
Jan 20th, 2019 1:24 pm
Kiraly
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Jan 9, 2011
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Jan 20th, 2019 1:24 pm

sierravista wrote: ↑I switched to the Scotia Passport Visa but it won't allow me to autopay the balance in full from my bank account.
It actually is possible. It's an undocumented feature so you won't find out about on Scotiabank's site. Like with so much else about Scotiabank, setting it up requires an in-person visit to a branch.

My experience of banks/cards that can do auto pay of full balance:

Scotiabank YES
American Express YES
Capital One YES
Rogers YES
HSBC YES
BMO YES
Canadian Tire YES
MBNA YES
Meridian Credit Union NO
+5
Jan 20th, 2019 2:08 pm
OntEdTchr
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Dec 27, 2013
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Woodbridge

Jan 20th, 2019 2:08 pm

I can add a +1 to the above post for Capital One. I have this feature enabled on my Capital One Costco MC.
+1
Jan 20th, 2019 2:40 pm
titaniumtux
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Going to the Moon

Jan 20th, 2019 2:40 pm

add td ct yes. until last year, only from a td ct bank account. since 2018, can be from external, just fax the form...like amex & mbna. canadian tire is also the easiest to setup, imo.
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Jan 20th, 2019 2:43 pm
joshnet
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Jan 20th, 2019 2:43 pm

To answer your direct question regarding PC Financial, they do have pre-authorized debit that can pay your statement balance. It requires filling out a PDF and sending it in.
Banking: Alterna Bank (2.5%), Motive Financial (4.1%)
Investing: Qtrade Direct Investing
Spending: Scotia Amex Gold (6 pts/Sobeys, 5 pts/dining, 1 pts/rest), Scene Visa (1 pts)
Mobile: Eastlink 20GB Rollover ($39/mth)
+2
Jan 20th, 2019 3:45 pm
TouchMyBox
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Dec 5, 2016
633 posts
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Jan 20th, 2019 3:45 pm

When you set these up, when do they generally withdraw the funds? Just after the statement date or just before the statement due date?
+1
Jan 20th, 2019 4:11 pm
sierravista [OP]
Sr. Member
Feb 8, 2017
505 posts
386 upvotes

Jan 20th, 2019 4:11 pm

Kiraly wrote: ↑ It actually is possible. It's an undocumented feature so you won't find out about on Scotiabank's site. Like with so much else about Scotiabank, setting it up requires an in-person visit to a branch.
I did go into a Scotia branch and they told me if it was only if I had a Scotia account. Wouldn't let me use my own bank.

I went home and called and the rep on the phone said the same thing.

How did you make it work?
+1
Jan 20th, 2019 4:14 pm
OntEdTchr
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Woodbridge

Jan 20th, 2019 4:14 pm

TouchMyBox wrote: ↑ When you set these up, when do they generally withdraw the funds? Just after the statement date or just before the statement due date?
Mine (Costco Capital One MC) takes it out right before the statement due date.
+1
Jan 20th, 2019 4:21 pm
sierravista [OP]
Sr. Member
Feb 8, 2017
505 posts
386 upvotes

Jan 20th, 2019 4:21 pm

TouchMyBox wrote: ↑ When you set these up, when do they generally withdraw the funds? Just after the statement date or just before the statement due date?
Both my Amex and BMO show up as an EFT on the statement date. Surprisingly, Tangerine is debited a few days after the statement date even though I'm using a Tangerine chequing account. The card balance shows up as paid on the statement date though.
+2
Jan 20th, 2019 4:23 pm
sierravista [OP]
Sr. Member
Feb 8, 2017
505 posts
386 upvotes

Jan 20th, 2019 4:23 pm

prmetime wrote: ↑ Apparently if you contact Scotiabank they can set this up for you on your Passport Visa.
Not what both a branch and phone rep told me. Only for Scotia chequing accounts they said.

Should I go in again and try?
+1
Jan 20th, 2019 4:25 pm
Kiraly
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Jan 20th, 2019 4:25 pm

sierravista wrote: ↑ I did go into a Scotia branch and they told me if it was only if I had a Scotia account. Wouldn't let me use my own bank.

I went home and called and the rep on the phone said the same thing.

How did you make it work?
I educated the Scotiabank employees on their own policies. I had both my Scotiabank credit cards pulling the full balance from my chequing account at Vancity every month. Go back with a voided blank cheque and try again...
+2
Jan 20th, 2019 9:59 pm
Troydabes
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Jan 20th, 2019 9:59 pm

TouchMyBox wrote: ↑ When you set these up, when do they generally withdraw the funds? Just after the statement date or just before the statement due date?
On your due date. At least based on what I noticed.
+2
Jan 22nd, 2019 9:26 am
AJchang
Jr. Member
Jan 29, 2013
115 posts
104 upvotes

Jan 22nd, 2019 9:26 am

Brim Financial presently doesn’t, although I’ve reached out and requested this feature.
+1
Jan 22nd, 2019 5:15 pm
zcypher
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Jan 4, 2017
366 posts
277 upvotes

Jan 22nd, 2019 5:15 pm

Thankfully, many do offer it. I have TD, BMO, Capital One, MBNA, Rogers and CTFS currently all set up to auto-pay, most include both options of paying the full statement balance or a specific predefined amount. Other RFD members have confirmed that Scotiabank does offer it, but your mileage may vary in actually getting them to do it! Some people reported being able to have them set it up via secure message through the banking. I tried that several times and they said no. When I called customer service, I was told that over the phone, they can set up auto-pay only if it's debiting a Scotiabank account, but if I go in-person to a branch, they can accommodate to set up auto-pay debited to an external bank account. Pretty ridiculous if you ask me, considering that even BMO allows you to set up auto-pay yourself online (pulling from any external account).

I called Tangerine, and was told that they do auto-pay but only if debited from a Tangerine account.

Rogers WE is a good replacement for BMO WE, considering it has a higher cashback rate (1.75% instead of 1.50%) on top of having no annual fee. It depends whether the rest of the perks/insurance stuff lines up for you, but I think it's a no brainer card to have.
+3
Jan 22nd, 2019 7:21 pm
Kiraly
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Jan 22nd, 2019 7:21 pm

zcypher wrote: ↑Other RFD members have confirmed that Scotiabank does offer it, but your mileage may vary in actually getting them to do it! Some people reported being able to have them set it up via secure message through the banking. I tried that several times and they said no. When I called customer service, I was told that over the phone, they can set up auto-pay only if it's debiting a Scotiabank account, but if I go in-person to a branch, they can accommodate to set up auto-pay debited to an external bank account.
Scotiabank's training on this matter is very poor. My experience:

  • Called in to ask about it. They said it's possible but I need to visit a branch.
  • Visited branch and set it up for my Momentum card, pulling payment from my credit union. Easy.
  • Visited different branch a year later to set it up for my new Scotia Amex card. Teller gave me a form to take to my credit union and get them to fill it out and stamp it. I told her I didn't have to do that for my other Scotiabank credit card. She clicked away on her computer and then took the form back, and set it up the PAP there.

I laughed my arse off when Scotiabank made the top of some list of the best banks in Canada for mobile banking. Scotiabank—the one bank that makes you visit a branch to do trivial things that most other banks can do online.
+1
Jan 26th, 2019 1:13 pm
sierravista [OP]
Sr. Member
Feb 8, 2017
505 posts
386 upvotes

Jan 26th, 2019 1:13 pm

Kiraly wrote: ↑ Scotiabank's training on this matter is very poor. My experience:

  • Called in to ask about it. They said it's possible but I need to visit a branch.
  • Visited branch and set it up for my Momentum card, pulling payment from my credit union. Easy.
  • Visited different branch a year later to set it up for my new Scotia Amex card. Teller gave me a form to take to my credit union and get them to fill it out and stamp it. I told her I didn't have to do that for my other Scotiabank credit card. She clicked away on her computer and then took the form back, and set it up the PAP there.

I laughed my arse off when Scotiabank made the top of some list of the best banks in Canada for mobile banking. Scotiabank—the one bank that makes you visit a branch to do trivial things that most other banks can do online.
I went in again to the branch and they said no way they could do this. I argued for a while but they wouldn't help me out. What am I doing wrong here?
Jan 26th, 2019 1:16 pm
Kiraly
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Jan 26th, 2019 1:16 pm

sierravista wrote: ↑ I went in again to the branch and they said no way they could do this. I argued for a while but they wouldn't help me out. What am I doing wrong here?
You are encountering poorly trained employees. Go to a different branch. You can set up PAP at any Scotiabank branch, it doesn't have to be your home branch.
+1
Jan 27th, 2019 9:42 am
angryaudifanatic
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Nov 10, 2018
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Jan 27th, 2019 9:42 am

Kiraly wrote: ↑ It actually is possible. It's an undocumented feature so you won't find out about on Scotiabank's site. Like with so much else about Scotiabank, setting it up requires an in-person visit to a branch.

My experience of banks/cards that can do auto pay of full balance:

Scotiabank YES
American Express YES
Capital One YES
Rogers YES
HSBC YES
BMO YES
Canadian Tire YES
MBNA YES
Meridian Credit Union NO
You can auto pay your HSBC World Elite this way? My AX card can, but HSBC? That's news to me! How?
For legal topics and discussions, the opinion, guidance, and thoughts provided are my own and are not considered to be legal advice, in any manner.
Jan 27th, 2019 11:30 am
minimalist
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Jan 27th, 2019 11:30 am

angryaudifanatic wrote: ↑ You can auto pay your HSBC World Elite this way? My AX card can, but HSBC? That's news to me! How?
https://www.hsbc.ca/1/2/personal/bankin ... debit-plan

Void cheque should work fine but I tried with the top part of my bank statement as they listed and they rejected it. HSBC service!
Cards:HSBC WE MC 1.5%/3% travel 0 FX MC acceptance 31 day med AF $49
CTC WE MC 3% grocery, 3.54% CTC, RA, billpay, AF $0
MBNA RWE 5.4% grocery/resto
Bank: EQ (1.5%)
+3

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