Looking for an All-Inclusive Canadian Account with a small twist
Currently my wife and I have RBC VIP Banking. No real issues other than the monthly fee ($19.95 after rebate). Most banks offer no fees if you maintain a certain balance (say $5,000). RBC does not offer this and we are now looking at switching because of that.
We booked an appointment at TD and we're ready to sign, however they were unable to recreate the banking structure that we have with RBC.
The structure is quite simple:
1. Joint chequing account - payroll, bills etc come from this.
2. Each of us has our own chequing account, these are private from one another. It's really more of a fun money account for each of us where neither of us can complain to each other about what toys we buy Also helps for gifts for one another.
It's not complicated but in order for TD to build it they would need to create 3 All-Inclusive accounts for us meaning we'd need to carry a balance of $5,000 in each one to not pay fees.
Is there another bank that could create this for us? I've checked their sites and there's really no mention of anything like this. I'm actually a little surprised this isn't more common. It seemed pretty logical to us.