montrealpost

U are welcome!

For term deposits, I find BMO better and more choices than HSBC.  For savings+payments, I'll keep HSBC.  Actually, I'm contemplating in opening a chequing account at HSBC to eliminate the transfer out "wait".  Our BMO doesn't hold most of our cheques.

Nice weekend!

fengfeng

以前还真没注意HSBC的Direct Savings Account可以用来付帐，只是将它作储蓄账号用。那么请问它可以用作DIRECT DEPOSIT 或PRE-AUTHOZIED PAYMENT账号吗？我想应该是可以的吧。

我是用普通银行的个人信用账号作“支票”账号用，好处是有免费的支票，不过不象ING或HSBC那样还有利息可拿。唯一不便的是不能从中买RRSP。如果HSBC或ING有PRE-AUTHOZIED功能，那么我想ING(或HSBC的Direct Savings Account)加上普通银行的个人信用账号，完全可以取代支票账号，不用压那笔钱了。

montrealpost

DIRECT DEPOSIT => Yes, we have our pay cheque go straight into HSBC

PRE-AUTHOZIED PAYMENT => should be OK, but not sure.  Ask HSBC, then please let us know.

??something?? . . . .  u CANNOT pay SAAQ driver license at HSBC.  Something about setup between bank and SAAQ, I don't understand.

fengfeng

Got confirm from HSBC, you can also use this account as pre-authorized account, just offering your institution # & branch #, same as Direct Deposit.

支票当然总有需要的地方，比方房租。。。

[QUOTE=
PRE-AUTHOZIED PAYMENT => should be OK, but not sure. Ask HSBC, then please let us know.

??something?? . . . . u CANNOT pay SAAQ driver license at HSBC. Something about setup between bank and SAAQ, I don't understand.[/QUOTE]

montrealpost

I can't remember details, talked to someone @ HSBC, they posted me 3 VOID cheques for direct deposit, free of charge.  One cheque used for payroll deposit.

Trust u read #13 below, have your credit report checked to eliminate the "~HOLD".

Post by fengfeng
Got confirm from HSBC, you can also use this account as pre-authorized account, just offering your institution # & branch #, same as Direct Deposit.

fengfeng

哦，还能这样，有意思，怎么那位客服不跟我提？

可惜了解得晚了，我目前所有的收入都直接入了信用账号。以后吧，以后有机会把收入直接进HSBC，立即开始享受利息。

谢谢分享信息。

Post by montrealpost
I can't remember details, talked to someone @ HSBC, they posted me 3 VOID cheques for direct deposit, free of charge. One cheque used for payroll deposit.

montrealpost

怎么那位客服不跟我提？==> institution # & branch # = void cheque(just printed and no mistake)

The company asked for void cheque for payroll deposit, so we gave them void cheque.

montrealpost

I don't have that much money   , for those of u who has spare $$:

BMO   4.25% 24 months-lock in, min. $1000
HSBC 4.25% 17 months-lock in, min. $5000
HSBC 3.25% 12months-cashable (after 89 days).

VVMM

1.5 year, 4%
2 year, 4.25%
3 year, 4.5%

I n G, no minimum

Post by montrealpost
I don't have that much money , for those of u who has spare $$:

BMO 4.25% 24 months-lock in, min. $1000
HSBC 4.25% 17 months-lock in, min. $5000
HSBC 3.25% 12months-cashable (after 89 days).

VVMM

这里为什么没有用icicibank? 操作相当于I n G和 HSBC. 日常利息 3.4% 如果refer开户有20$ bonus.

但是不如HSBC可以付Bill

I N G现在促销有taxfree saving account.