Banks

Bank	Min	No SIN	Free checks	Credit	CIG	Open	Comments
Scotia	$2,000/$3.95/15	YES			3.1%	0.3km 10-4(5:30,5)
BMO	$1,500*/$4.00/0???				3.1%	???	Airmiles, but transactions fees all the time even with minimum???
TD	$2,000/$8.95/25				2.9%	0.3m (9-5)
TD-min	$1,000/$3.95/10				2.9%
HSBC	$2,000/$6.50/30				3.1%	9:30-4:30	New rates from May 27th.
CIBC	$1,000/$3.90/10				3.1%	1+km 9:30-5:00

• Would they open without SIN?
• Would they give credit card?
• Secured at what interest?
• Would they give free checks?
• At what minimum balance?
• Average balance or "never less then"?
• Could I change account type at any time?
• USD account?
• How long would it take to process US deposit?
• How do they change USD into CAD?
• Spot or their own rate?
• . Any fees?
• Incoming wire? Free or what fee?
• Online banking free or not?
• What is their longest banking hours?

Then talk about business

• Incoming wire?
• Change USD/CAD?
• Deposit US checks?

Then talk about Gold/Silver, certificates and exchange into phisical metal and how would they buy certificates and metal back.