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As the internet grows, so do the resources available online. Ten years ago, ING was the king of online banking, but since then, more virtual banks have joined the competition. Even the major players in the Canadian financial system have embraced the internet-confident consumer, offering special online only accounts or e-accounts, designed to reduce service fees and eliminate paper loads. If you don’t have at least one internet bank account, you are clearly behind the times. Internet accounts are largely free of service fees. Why shouldn’t they be? A customer can go for years without ever needing to step foot inside a bank. You can pay your bills, transfer money, and view your statements, all while you sit at home in your pj’s and bunny slippers. Oh, and forget about standing in line, rushing to the bank before closing or cashing your paycheque before three on Friday. Between bank machines, the telephone and internet access, your virtual bank is open and ready for business 24 hours a day, seven days a week. I’m the first to admit, I don’t hold much loyalty to any one bank. I am one of those people who woke up one day and decided to switch banks. Mortgage, chequing accounts, rrsp’s, the whole kit and caboodle. I’ve actually done this more than once. I know, shame on me. Nevertheless, one online financial institution has managed to compel my continued patronage, simply by offering things I didn’t know would be important to me. I am referring to President’s Choice Financial. If you haven’t heard of PC Financial, I’ll run through the basics:

  • No service fees, no maintenance fees, no minimum monthly fees based on balance. Put twenty bucks in today, ignore it for two months, you will have twenty bucks generic cialis canadian, plus a couple cents interest. NICE.
  • Cheques are free to order and free to use. Plus, one free bank card replacement per year.
  • All accounts earn interest. Granted the chequing account pays less than the savings accounts, but even with the chequing account, the minimum interest rate is 0. 10%, which is twice as much as 0. 05% offered by most banks.
  • They have offices in most of the Loblaws owned stores. Loblaws owns the President’s Choice name, so think of the stores that sell PC products, and that’s a Loblaws store: Zehrs, Fortinos, Real Canadian Superstore and Loblaws to name a few. Generic cialis canadian
  • you can use any pc financial or cibc bank machine for deposits and withdrawals for free. CIBC runs the banking part of the operation, and they seem to have an ABM on generic cialis canadian every corner.
All these things are good, but not nearly enough to keep me even a little bit loyal. What keeps me loyal are the little benefits and bonuses, which I never would have thought to ask for if I were designing the perfect bank. PC POINTS: I am a glutton for anything free. Unfortunately, I always end up in rewards programs, where the reward expires before I remember to use it. However, I shop at Zehrs every single week. I pay with my PC bank card, and I get PC Points for doing so. Every couple of months I ask the cashier how many points I have, and use as many as I can to pay for my groceries. Usually about $30. Since I have no intention of going on a hunger strike, this is quite useful for me. Moreover, the points do not expire. My sister has been saving her points for about a year now, and has about $800 worth that she is using for a new patio set and bbq this summer. ONLY ONE BRANCH: I didn’t even know about this until it was important for me. PC Financial has only one branch for all of Canada. So, no matter where you are, you can walk into their office (they call them pavilions) and you are at your branch. A couple years ago, I went to visit my brother out west, and of-course, in true tourist fashion, managed to lose my wallet. I had two bank cards in it. I went to the “big bank” only to be informed I had to go to my home branch to replace the card. I didn’t bother searching for PC, I simply phoned them to report my card lost. The girl asked if I'd like a replacement mailed to my home address or would I prefer to go to a pavilion and get a new one on the spot. “But I’m not even in Ontario” I say. No problem, she looks up the closest pavilion address and sends me on my way. It took less than five minutes to get a new bank card. One branch for all of Canada, what a smart idea! PC ALWAYS CHECKS ID: Identity theft and bank card fraud is on the rise, yet still, I am dumbfounded whenever I call the “big banks” toll free line, and only get asked my name and date of birth, possibly my mother’s maiden name. I recently opened a joint account with my mother, who just moved to town, and the big bank, did not ask her for anything other than her bank card. If I visit PC in person, they always want two pieces of identification, and one had better be photo. When I phone the toll free banking number and get an operator, I am put through a series of often annoying questions, that I am quite certain even the craftiest thief [generic cialis canadian] would never be able to answer. Decidedly, this security measure can be frustrating at times, especially on the phone when I’m struggling to remember simple things about an account I use all the time. However, I don’t begrudge them this, because at the end of the day, it is me they are protecting. So there it is, no fee banking, good interest rates and free groceries are great; but it’s the well designed and thoughtful protocols and protections of PC Financial that make it the best online financial institution.


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