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많은 워홀러들이 학교를 안다니거나 다른방법으로 영어공부를해서 입학허가서가 없어서 계좌 유지비를 내면서 계좌를 만드시더군요.
PC Bank라고 무료인데도 있지만, 창구가 없다는게 가장 큰 단점이죠.
하여간 기사가 떠서 올려드립니다. 보시고 도움되
http://www.moneyville.ca/blog/post/1155885--bank-chequing-accounts-whose-is-best
When I started to get serious about my finances, one of the first places I looked to save money was with my chequing account.
I was paying $12.95 per month for unlimited chequing with TD Bank, but I ended up switching to ING Direct’s no-fee THRiVE chequing account.
There really isn't much to choose from among the basic chequing accounts offered by the big banks as the chart shows.
Fee type |
TD |
RBC |
Scotia |
BMO |
CIBC |
Basic account fee |
$3.95 |
$4.00 |
$3.95 |
$4.00 |
$3.90 |
Min. balance to waive fees |
$1,500 |
*see note |
n/a |
$1,000 |
$1,000 |
Free debits per month |
10 |
15 |
12 |
10 |
10 |
Additional transaction fee |
$1 |
65 cents |
65 cents |
$1 |
$1 |
Interac fee |
$1.50 |
$1.50 |
$1.50 |
$1.50 |
$1.50 |
PLUS System fee |
$3 |
$3 |
$3 |
$3 |
$1.50 |
Email money transfer fee |
$1.50 |
$1 |
$1 |
$1.50 |
$1.50 |
Overdraft protection |
$4 |
$3 |
$5 |
$5 |
$5 |
*fee waived when you hold an RBC Investment and RBC Rewards Card (plus mortgage for upgraded account)
The features are pretty comparable, and none of these accounts pay you interest. On the plus side, the chequing account is just one service they offer. You can probably bargain if you’re a good customer. The more services you have, the better your chance.
Related: The benefits of bundling your banking
Big banks also offer a wider range of services compared to an online account. You can walk into your branch and talk to someone who knows you and your finances. You also get free access to a number of ABM's in your network.
The no-fee options offer limited service, most notable are the lack of ABM's and physical bank locations.
However, if your the sort of person who makes most of your transactions online, a no-fee chequing account is the way to go.
Related: Why I moved my savings to ING Direct
I looked at two no-fee alternatives before switiching.
The President’s Choice Financial no-fee bank account offers unlimited daily banking, and you don’t have to keep a minimum balance. You earn interest on your balance and earn PC Points if your balance exceeds $1,000. You are charged $1.50 for sending an email money transfer, and you’ll pay $4.97 each month your overdraft is used.
ING Direct’s new THRiVE chequing account offers the best deal. The account is an online, daily no-fee account with several unique features such as free email money transfers and free overdraft protection, up to $250. You’ll even earn a bit of interest on your monthly balance (a quarter per cent).
I still like having a relationship with someone at my bank; that's where my mortgage and investments are held. My solution was to reduce my unlimited chequing account down to a basic account and keep a $1,500 minimum balance to waive the monthly fee. Then I opened a THRiVE chequing account with ING to use for my daily banking.
Also Read:
A dozen fees you should try to avoid
Paying these fees will save you money
Robb Engen is half of the Boomer & Echo personal finance blogging team with his mother, a former financial advisor. Reach him at robbengen@gmail.com
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