8. Bank card and credit card

Apply for a bank card in Canada:

Six major countries in Canada: Empires of Canada (CIBC); Royal Bank of Canada (Royal Bank); Bank of Montreal (TD Bank); Bank of Canada (Bank); (); (). There are also some local small banks. From the perspective of taking care of Asian immigrants, the policies of Cuckoo Bank and HSBC Bank are more flexible.

Bank of Canada offers various accounts. For personal needs, these are just two categories: daily life accounts and investment accounts. In terms of currency, more commonly used accounts and US dollar accounts. Specifically, there are savings, checks and conventional deposit accounts.

1) Real name system

The opening of the Bank of Canada's account adopted a real name system. Account opening must display their documents.

2) Cash registration

The Canadian government stipulates that some people have deposited more than 10,000 Canadian cash and banks will register.

3) Dating account

There are two types of accounts: savings accounts () and check accounts ().

Answer: Savings accounts usually have high interest to save money in the short term.

B. The check account is prepared for daily life. The money on the account may be at any time at any time, so the interest is very low or even uniform. Both of them are deposited daily.

4) Checking manual

The check is printed in the account openness and address, the name and address of the family owner, the account, the check number; the essence

5) Bank card

When the bank opens a life account, you can get the bank card and select the password on the spot, and you can use it on the automatic teller machine ( -ATM). It can operate on savings account and check account. The cashier not only withdrew the machine, but also all withdrawal, deposit and query.

6) Service fee

A big difference between Bank of Canada and Bank of China is that many service items are charged. For example, each expenditure (withdrawal of withdrawals and check-ups is expenditure), and the Canadian dollar charged 0.4-0.7 Rean yuan, pays 10-30 yuan for each stroke, and issues a 3-6 yuan bill, and so on.

7) Investment

In addition to the money you need to enter and exit in daily life, banks can also relatively fixed other funds as the profit of investment. There are many types of investment. People are more familiar with conventional deposits. English is called term, which is an investment.

8) Personal conventional deposits

Banks have required low -amount conventional deposits, usually $ 5,000, and US dollars are US dollars. The time is 30 days, 60 days, 90 days and 120 days, ... the longer the deadline, the higher the interest, but there is not much.

9) The difference between Canada and the US dollar

Canada and the US dollar can be exchanged for free and can be redeemed (trading) or redeemed in any bank.

10) No branch bank

In recent years, Canada has appeared in the "bank banking" (bank). The bank is characterized by its own bank, but it must provide financial services through cooperation with the bank.

Canadian credit card

Canada usually has two types of credit cards. Visa and royal banks use visas in five types. For new immigrants, visa 2 is more applicable.

For new immigrants who have just arrived in Canada, it is not easy to apply for credit cards because there is no job and credit record. After getting a credit card, you can use it almost all occasions. Consumers should pay off the monthly consumption of this month, otherwise it will affect your credit records. Applicants who open accounts need to bring two ID cards, such as passports, immigration paper, etc. Different banks in Canada have different service standards and requirements for customers. If you go to the bank to open a personal account, you need to display more than two identity files, such as passports (and immigration visas), car driving licenses, social insurance cards or medical insurance cards. If you do not have the latter three documents, you can ask your business, and the company or school wrote to prove your identity.

The above is the information about the maple leaf card that keeps the bank card and credit card. In the process of retaining the maple leaf card, the parties need to cooperate with many valid documents in Canada. If you lack or expire, find a professional maple leaf card lawyer to help you treat it to ensure that you can successfully follow the relevant procedures for retaining the maple leaf card.