I’m planning to open a new chequing account in the near future, and I’m contemplating bailing on RBC. I’ve been with them for a very long time, and one possible outcome is that I’ll just open a new RBC account and be done with it. That’d be… fine.
But for a variety of reasons (including my satisfaction with RBC trending steadily downward), I’m thinking about opening this new account elsewhere. I don’t have a ton of hard requirements, and I’m not really sure what to look for in a bank, but the following would be nice:
- Good online banking experience, particularly desktop (RBC is shockingly bad at this)
- Good credit card; easy to make payments from the new account
- Minimal fees
- Easy e-transfers
- Real security (another thing RBC is terrible at)
- Neat rewards would be cool
- Low-fee, low-friction investing would also be cool-- I don’t really do much investing, but I’d like to be able to
Any suggestions would be great, including anti-suggestions if you happen to know of a bank that I should avoid.
I have only had good experiences with tangerine, the only time I have been hit with a fee was when a preauth transaction bounced - which was my fault, PayPal defaulted to the wrong card.
App/web app has 2FO, app can be set to use fingerprint/faceid instead of PIN, credit cards and lines of credit accounts are integrated and available credit is updated instantly. They even recently got credit score checking integrated into the app.
Debit cards are debit-visas, credit cards are MasterCard.
You are forced to use a 6 digit numeric pin for signing in however.