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this post was submitted on 20 Oct 2024
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Ditching TD bank to move to a Credit Union was probably one of my better choices in life. They are horrible.
Who are you with? There isn't much choice outside of Quebec.
Feel free to decline if it's a small bank, don't doxx yourself either 😉
I've been really satisfied with Alterna in Ontario for the last decade.
Good point on dox etc. We have lots of options in BC. Coast Capital, FirstWest, and VanCity are good options here.
TD bank manager actually suggested I open my business account with Coast Capital LOL, he said TD can't compete with what Coast Capital offers.
When I switched I went from 21$ TD monthly fee plus $1.50 debit transactions...to zero fees for anything.
Plus government kicked in $200 as incentive to choose a credit union.
Credit Union also allows us voting on major policy changes, so members have a say in how the union develops.
Profits are fed back into community support.
TD had all my business before. Personal and business account, car, house, motorcycle insurance, RRSP, credit card, line of credit. They got too greedy though, and as I used line of credit they kept re-evaluating the variance. So about a 3% rate rose to 17%. But the real push was watching transaction order get changed overnight to force an NSF fee charge the next day, by counting (reordering) morning deposits last after evening withdrawals.