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Can banks refuse a request to break GIC contract?
/titleIt confused me a bit, because I thought since it's my money, I should always have access to it, and if I choose to break the contract, I just don't get the interest. But can they just refuse to give my money at all?
- texasbruce
- Aug 8th, 2022 5:57 pm
- Forum: Investing
- Investing
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Aug 8th, 2022 5:57 pm
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Do banks report less than 30 days payments to credit bureaus in Canada?
I know in the states, it has to be 30 days late. I just checked my equifax recently for the first time in a while and I have a ‘missed/late’ payment for march. I looked it up and I was one day late. Is that normal? Is there any similar law to the states where I can get this removed. Is this somethin...
- gotwgoty
- Jul 11th, 2022 12:59 pm
- Forum: Personal Finance
- Personal Finance
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Jul 11th, 2022 12:59 pm
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Why do banks lend at rates lower than inflation? Doesn't that mean they lose money?
I've seen mortgages and unsecured processional student LOCs at prime minus 0.5 or prime minus 1.0%, which is a few percentage points under inflation (not just now at high inflation, but even before high inflation times with "normal" inflation of 2-3%). why is that? dont banks lose money??
- User515721
- Jul 9th, 2022 10:38 pm
- Forum: Personal Finance
- Personal Finance
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Jul 9th, 2022 10:38 pm
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Do all banks offer direct deposit (one unrelated account to another)?
If the buyer cannot carry loads of cash, say to purchase my car, I can have him do a direct deposit from his RBC to my RBC account. Anyone know if it also works the same way at TD as my wife or I (maybe it's joint but I have to check) has a TD account too? I've read horror stories about fraudulent b...
- alanbrenton
- Jun 22nd, 2022 8:35 pm
- Forum: Personal Finance
- Personal Finance
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Jun 22nd, 2022 8:35 pm
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[FS] Anker car charger and power banks (USB-C PD)
x1 Anker PowerDrive Speed+ 2 (49.5W) Car chargers. USB-C Port is 30W PD and the USB-A port is 19.5W. Model A2229 (one left). - $40 each x2 Anker PowerCore Slim (10,000mAh, total 30W). USB-C Port is 18W PD and the USB-A port is 12W. Includes storage bag. Model A1231.- $40 each x1 Anker PowerPort Atom...
- EnyCe
- Jun 2nd, 2022 1:56 pm
- Forum: BST: Cell Phones & Accessories
- BST: Cell Phones & Accessories
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Jun 2nd, 2022 1:56 pm
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Business Analysts/System Analysts in the 5 Banks . What is it like?
... in RBC and TD years back but I never really had a Business Analyst within my network. I was in the Risk side. Overall I've hated working for the Banks. I know what the job is, but what is it like day to day in a Bank? Expectations wise, Day to day, managerial styles, deadlines for projects etc. ...
- Thorkell
- May 14th, 2022 11:14 pm
- Forum: Careers
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Are banks (Tangerine) liable if hackers steal money from your bank account?
A personal connection of mine just had over $100K stolen from their Tangerine account. Two payments of about 45K and 50K were made as bills payments to what appear to be credit cards, and then a $3000 e-transfer was made, which is what alerted them to the fact that money was moving. My connection is...
- MikeZ13
- May 12th, 2022 1:09 pm
- Forum: Personal Finance
- Personal Finance
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May 12th, 2022 1:09 pm
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Reason why big banks dont offer crypto trading ?
Is it regulatory ? Or it's not serious or mature enough for them to enter the space ?
- JinP10907
- May 4th, 2022 11:26 am
- Forum: Investing
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Should you apply at multiple banks for mortgage application?
When applying for a mortgage, do all banks ahve the same or similar rate and amounts? RBC, CIBC, Bank montreal etcWas wondering if its worth going to a few banks to see who offers more or less for rates and amounts for a mortgage.
- thatsnazzyiphoneguy
- Apr 28th, 2022 3:43 am
- Forum: Real Estate
- Real Estate
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Apr 28th, 2022 3:43 am
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Looking to switch banks and credit card companies
... the Big 5 gives out a free iPad, conditional on making some transactions. Anyone know usually when these promos occur? Right now I checked all 5 banks and the best offer is a $350 reward For the savings account, best interest rate I found so far is RBC's "cashable GIC" account, which ...
- Heartcloud
- Apr 25th, 2022 6:05 pm
- Forum: Personal Finance
- Personal Finance
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Apr 25th, 2022 6:05 pm
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Pre-Approved LOC Offers from Banks
I have been receiving LOC offers by the banks online, which I ignore. But now I am getting those same offers in the mail from them.Do you guys accept those preapproved LOC, in general?
- berrytree
- Apr 16th, 2022 1:13 pm
- Forum: Personal Finance
- Personal Finance
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Apr 16th, 2022 1:13 pm
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What banks let you pay their PLOC/HELOC directly from an independant institution?
I guess I am rate shopping...I already have a PLOC with my current institution but I would like to get a PLOC or (more likely) a HELOC elsewhere to see if I can get a lower interest rate. I just don't want to have to go into a branch any time I use it or have a chequing account at the branch where t...
- CouponBaron
- Mar 30th, 2022 3:11 pm
- Forum: Personal Finance
- Personal Finance
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Mar 30th, 2022 3:11 pm
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Best Banks for using LOC as checking account - including digital banks ?
... needing to pay for a checking account with them. Have a LOC with RBC (and it is not the best for the features available). Big 6 + Online only banks also included. I read CIBC is highly rated - would Simplii LOCs have the same features by extension? Do EQ bank LOCs come with these features?
- AmberD17
- Mar 21st, 2022 7:09 pm
- Forum: Personal Finance
- Personal Finance
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Mar 21st, 2022 7:09 pm
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'Self-Employed-friendly" Banks for ULOCs (and HELOCs)?
... Being self-employed, I pay myself by e-transfer from my business accounts (not specifically direct deposits). That makes me wonder if different banks algorithms maybe tend to favor self-employed individuals better for ULOCs, and if people here may have some knowledge and may give preference ...
- AmberD17
- Mar 16th, 2022 9:50 pm
- Forum: Personal Finance
- Personal Finance
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Mar 16th, 2022 9:50 pm
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Investing RRSP: Banks vs. IA Group
What are the risks and rewards (pros and cons) of investing your RRSP between banks vs. with a financial company like IA Group?
- AsianXL
- Mar 4th, 2022 1:56 pm
- Forum: Personal Finance
- Personal Finance
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Mar 4th, 2022 1:56 pm
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Do banks double count debt on mortgage app?
... FAs both said that when we apply for a mortgage then, we will probably not get approved because we both hold double debt. They both said that the banks will view the debt as “double” since we are on the mortgage for all properties. I’m wondering if that’s true? When we both apply for a future ...
- beanyfi
- Mar 2nd, 2022 11:02 pm
- Forum: Real Estate
- Real Estate
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Mar 2nd, 2022 11:02 pm
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What is a reasonable salary for a Senior Manager position at CIBC?
Can somebody give me a list of salaries in banks?I am getting a job offer from CIBC (non-front/branch) for the Level 8 Senior Manager position and I'm not sure what the reasonable range for my salary negotiation should be.
- IIIIIII
- Feb 23rd, 2022 9:42 pm
- Forum: Careers
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Which Banks Allow One to Designate Beneficiaries for Non-Registered Accounts?
... to set up beneficiaries for chequing, savings, and even regular brokerage accounts. I reached out to BMO and they haven't responded. Which banks provide for setting up beneficiary designations for chequing accounts and ordinary (non-registered) brokerage accounts? This information is generally ...
- FunnyGamer
- Feb 12th, 2022 9:05 pm
- Forum: Personal Finance
- Personal Finance
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Feb 12th, 2022 9:05 pm
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What Banks are offering Chequing Account Sign Up Bonuses Right Now?
... Plus he never got his sign up bonus with CIBC when he opened the account years ago. I am pissed at CIBC on his behalf and am urging him to switch banks. I'm looking for recommendations or sign-up bonuses to encourage him to jump ship. Thank you!
- Savesavesavesave
- Jan 20th, 2022 3:05 pm
- Forum: Request-A-Deal
- Request-A-Deal
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Jan 20th, 2022 3:05 pm
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American Banks Thread
Since we don't have a thread on this, what are the big 5 American Banks? What are their stock prices and what is the Dividend payout for each bank? How do they compare to Canadian Bank Stocks?This thread should be strictly based on American Bank Stocks and not etfs.
- canuck698
- Jan 19th, 2022 8:38 pm
- Forum: Investing