http://www.EclecticHub.info/CanadaSavings.html . Last updated February 1, 2012 . Canada Savings . Good Printer Setup: Landscape, minimum margins, no header/footer
Name/Link, Owner, Location Insured up to Fundamentals, Investments Savings Acct TFSA Accts RRSP Accts GIC US$ Acct Signup Requirements Bill Payments Checks Provided Deposit Options Withdr. Options Account Statements
AcceleRate Financial (of Crosstown Civic Credit Union, Winnipeg, MB, 1-888-954-9543) MB CUDGC No limit Owner Assets: $835M. Loans (Residential & Commercial Mortgages, CC) 2.10% 2.10% (Svgs), 2.15% (1yr, $1k min) 2.10% (Svgs), 2.15% (1yr, $1k min) 2.15% (1yr, $1k min) No Pre-Printed personal Check, SIN $1 Free checks Free: Phone transf, mailed chks. Credit Union ATM on Accu-link CU ATM $1.50, Interac & Out-Of-Province ATM not Accu-link $2. Phone Transfer, Checks, Online Transfers. Credit Union ATM on Accu-link Printed statements mailed quarterly
People's Trust (Vancouver, BC; 130 Adelaide St West Toronto ON 416-368-3266) CDIC $100K / Acct Owner Assets: $1.3B. CMHC Loans (Residential & Commercial Mortgages, CC) 2.10% 2.10% (Svgs), 1.45% (1yr GIC, 1k min) 1.00% (1yr) 1.45% (1yr, $1k min) No Pre-Printed personal Check, SIN No 4 free checks, printed w/out dep name or address Free: Phone transf, mailed chks, online transf using another bank's website. No ATMs, no Web Banking First 5 per month are free, $1.50 after that: Phone Transfer, Checks, Online Transfer using another bank's website. No ATMs, No Web Banking Printed statements mailed monthly.
Outlook Financial (of Assiniboine Credit Union, Winnipeg MB, 1-877-958-7333) MB CUDGC No limit Assiniboine Assets: $2.4B. SRI, Sustainability. Loans (Microcredit, Personal, Residential Mortgages, CC) 2.00% (Svgs) 2.00% (Svgs), 2.15% (1yr GIC, cashable to 1%, 1k min) 2.00% (Svgs), 2.15% (1yr GIC, cashable to 1%, 1k min) 2.15% (1yr, cashable to 1%, 1k min) No Pre-Printed personal check, SIN Phone & Web. In-person phone: M-F 9-9, Sat 10-5 (TO time) 25 checks. 1 free/mth, then $1 / check Free: Mailed check, Direct Dep (payroll), MB CU ATMs, Automatic & Phone transfers. Cirrus, Acculink, Plus ATMs 1 free debit/mth, rest are $1 each. Incl: Checks, Interac Direct Payment, Acculink ATMs, pre-authorized debits, bill payment. Other fees on top of the $1: Interac ATM: $1.25, Cirrus/Plus ATM (USA): $2.50 Printed statements mailed in July and January.
Hubert Financial (of Sunova Credit Union, Selkirk, MB, 1-204-785-7625 MB CUDGC No limit Owner Assets: $668M. Loans (Residential & Commercial Mortgages, CC) 2.00% 2.00% (1yr, $1k min) No 2.70% (2yr, $1k min) No Online, SIN, $5+ (or Pre-Printed $5+ personal check) No No Online Transfers. No ATMs yet, no phone transfs, mailed chks? Online Transfers. No ATMs yet, no phone trnsfrs, no checks Online PDF statements only
MAXA Financial (of Westoba Credit Union, Brandon MB, 1-866-366-MAXA (6292)) MB CUDGC No limit Westoba Assets: $854M. Loans (Personal, CC, Farm, Residential & Commercial Mortgages) 2.00% 2.00% (Svgs)
2.25% (1yr GIC)		 1.85% (Svgs)
2.25% (1yr GIC)		 2.25% (1yr) No Personal Check, SIN, employment info. Phone & Web 12 printed. 1 free debit / mth, then $1/ea Free: Mailed check, Direct Dep (payroll), Acculink ATMs, Auto transfer ($5 setup) 1 free debit/mth, rest $1 ea. Incl: Checks, Interac Direct Payment, Acculink ATMs, pre-authorized debits, bill payment. Other fees on top of the $1: Interac ATM: $1.50, Cirrus/Plus ATM (USA): $3, Cirrus/Plus ATM (Int'l): $5 No printed statements mailed. Web printouts only
Achieva Financial (of Cambrian Credit Union, Winnipeg, MB; 1-877-224-4382) MB CUDGC No limit Cambrian Assets: $1.1B. Loans (Personal, CC, Residential & Commercial Mortgages) 2.00% 2.00% (Svgs), 2.15% (1yr GIC) 2.00% (Svgs), 2.15% (1yr GIC) 2.15% (1yr) No Pre-Printed personal check, SIN Phone & Web 1 checkbook. 1 free / mth, then $1 / chk Free: Check by mail, Acculink ATMs, Direct Deposit (payroll) Check: $1.00 (the 1st every month is free), Acculink ATMs: $0.60, Interac ATMs: $1.00 + fees, Interac Direct Payment: $0.60, Bill Payment: $0.50 Printed statements may be mailed monthly or quarterly.
Ally (of ResMor Trust Company, of former auto fin. GMAC, ptly owned by GM & Cerberus. 1-866-247-2559, Toronto) CDIC $100K / Acct ResMor Assets: $5B. Loans (Residential mtges, Consumer auto fin., Auto dlrs commercial lending) 2.00% 2.00% (Svgs) ? 1.75% (1yr, cashable after 3 mths) No Not in Quebec. Personal check, SIN. Over age of majority. No Not before 2010 Free: Phone Transfer, Check by mail, Online Transfer. No ATMs Free: Phone Transfer, Online Transfer. No ATMs Printed statements mailed monthly.
Canadian Direct Financial (of Canadian Western Bank, Edmonton, AB, 1-877-441-2249) CDIC $100K / Acct CWB Assets: $10B. Loans (Commercial, real estate / construction financing, Equipment financing / leasing, Energy lending) 2.00% (Svgs) 1.65% (GIC) 1.65% (1yr GIC 1k min) 1.65% (1yr GIC 1k min) No Not in Quebec. Personal check, SIN, employment info. Over age of majority Not yet Chkg acct only, not svgs acct Free: Check by mail, Exchange ATMs, Direct Deposit (payroll), Online Transfer 1 free debit / mth (any method), after which these charges apply: Online transfer: $1.00, Exchange ATM: $1.00, Non-Exchange ATM: $2.50, Bill Payments: $2.50, Interac Direct Payment: $2.50 No printed statements mailed. Web printouts only
ING Direct (of ING Bank of Canada of ING Group NV. 111 Gordon Baker Rd Toronto, 1-800-464-3473, 416-756-2424) CDIC $100K / Acct ING Group NV (Internationale Nederlanden Groep) Assets: €1,332B. Loans (Residential Mortgages). Risk? 1.50% 2.00% (Svgs) 1.50% (Svgs)
1.50% (1yr)		 1.50% (1yr) 0.50% Pre-Printed personal check, SIN No No Free: Check by Mail, Phone / Online Transfer Free: Phone / Online Transfer. Interac ATMs: 4 Free, ATM fees after (convenience Fee may apply). 4 ING ATMs in Toronto Printed statements mailed quarterly (or mthly w/activity).
TD Canada Trust (1-800-577-9588) CDIC $100K / Acct Assets: $563B. Big 5 Canadian bank. Loans (Personal, CC, Residential & Commercial Mortgages) 0.75% ($5K+) 1.00% (Svgs) 1.00% (Svgs) 1.00% (1yr) 0% (0-1K), 0.05% (1K-5K), 0.10% (5K-25K), 0.25% (25K-60K), 0.5% (60K+) Personal Documents, SIN Phone & Web Yes Free: Phone/Online Transfer, Automatic Transfer, Direct Deposit, TD ATMs Free: Phone/Online Transfer, Automatic Transfer, Direct Deposit, TD ATMs Printed statements mailed yearly (mthly w/activity)