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Thread: Moving to a new Province - need banking suggestions
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Sun, Apr 30th, 2017, 11:34 AM #1
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Hi All
We are moving to a new province - well actually moving back to the one from which I originated - but a different city (after 20 years being away)
We are presently dealing with a small local credit union - so that has got to change. We are moving to Ontario and the credit unions don't seem to be quite as prolific as they are in BC
We are seniors - looking for a bank/credit union with no fees for chequing and hopefully a little bonus as new customers
Any suggestions
I am already a customer of Tangerine and Canadian Direct as online banks - but I really think we need to have a bank with a physical presence.
Thank you for your thoughtsThis thread is currently associated with: N/AMy Orange Key 44990243S1
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Starting a new Chapter in the Golden Horseshoe in 2017!
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Sun, Apr 30th, 2017, 06:05 PM #2
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I would suggest Meridian Credit Union. They have a relatively major presence in the province and there are ATM's everywhere that you can access (The Exchange Network), they have a Seniors Chequing Account ($0 fee) with Unlimited transactions, free cheque order (per year), free paper statement, 4 free bank drafts/month, free certified cheques. They do have a bonus offer going on until June 7th in which you open a High Interest savings account, deposit $1,000 and get a $100 bonus.
Personally, I don't trust the Big 5 banks anymore, I bank with Meridian and PC Financial exclusively now
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Sun, Apr 30th, 2017, 06:11 PM #3
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I also use PC Financial. I do have a Credit Union account as well. I basically pay $3/month in fees for 1 transaction.
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Sun, Apr 30th, 2017, 07:47 PM #4
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Wed, May 3rd, 2017, 11:19 PM #5
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Yes Meridian Credit Union is very good. Much better than the Big 5.
https://www.meridiancu.ca/Personal/Accounts.aspx
Go for their Senior Chequing Account if you are a senior. Details below.
https://www.meridiancu.ca/Personal/A...g-Account.aspx
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Sun, May 7th, 2017, 01:22 PM #6
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My Orange Key 44990243S1
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Starting a new Chapter in the Golden Horseshoe in 2017!
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Sun, May 7th, 2017, 05:43 PM #7
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looks like there are 12 credit unions in St. Catherines
All have seniors accounts
https://www.bing.com/maps?&ty=17&q=c...io&FORM=SEMORE
Last edited by Shwa Girl; Sun, May 7th, 2017 at 06:00 PM.
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Mon, May 8th, 2017, 09:22 AM #8
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PACE (took over former McMaster CU in Westdale area of Hamilton) and PenFinancial Credit Unions also exist.
Pen Golden is the Senior's Chequing Account product that might meet your needs.
https://brocku.ca/brock-news/2015/10...nts-announced/
https://www.penfinancial.com/Persona...quingAccounts/
https://www.penfinancial.com/Persona...ForMembership/
Premier Chequing is PACE's Senior Chequing product-alas only in Hamilton, Mississauga and Toronto:
https://www.pacecu.ca/Personal/Produ...quingAccounts/
The Golden Horseshoe Credit Union is only in Hamilton (2 locations). Formerly the Dofasco credit union.2021-Bring on the sunshine, sweets & online shopping.
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Mon, May 8th, 2017, 09:24 AM #9
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First Ontario CU is fairly expansive in Ontario. The coin counting machine at the Lime Ridge Mall (Hamilton) location is free to all to use.
https://www.firstontariocu.com/Perso...ChequingPlans/
If you are a PC Financial customer, you know you can access the CIBC ATMs at all Loblaws/Fortinos/RCSS stores with their debit cards.2021-Bring on the sunshine, sweets & online shopping.
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Mon, May 22nd, 2017, 01:19 PM #10
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Thank you all - have just spent the better part of a week (with some of that being on the phone for Hours) with Meridian. Apparently, my address (where I have lived for 10 years) does not match up with what they have at Equifax - so if I would like to go into one of the branches (hello - that is why I am doing it online - I don't have a couple of thousand dollars to go there and fill in their forms BEFORE I move) and complete the application - they would like me to become a member.
Chaulk that up to a lesson learned - so I decided to work with First Ontario. Well...their online application opens up to a blank page - guess this week is going to be the First Ontario's time to shine.
I do have internet bank accounts - but found having one where one could go in if something was needed - works for me.
Thank you to allMy Orange Key 44990243S1
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Tue, May 23rd, 2017, 10:01 AM #11
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http://www.scotiabank.com/ca/en/0,,50,00.html
Scotia Basic Banking Checking account is FREE for Seniors. The $ 3.95/month fee is waived for seniors.
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Thu, May 25th, 2017, 12:14 PM #12
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Tue, Jul 18th, 2017, 11:23 PM #13
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Have filled the form in - but since we are moving - thought I would wait til we have the new address in action. I do this (equifax and transunion) about once every 5 years. However, they only send a report NOT a rating.
My Orange Key 44990243S1
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Starting a new Chapter in the Golden Horseshoe in 2017!
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Fri, Jul 28th, 2017, 11:40 PM #14
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