为什么TD的交易费那么高？
- 主题发起人 Dong
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I believe that C$29 per transaction only apply to those stocks whose price are above certain values (cann't remember, but maybe several dollars). For those penny stocks, the transaction is charged based on the percentage of values. Better check with TD.
Re: Re: 用Ameritrade，每笔不管多少，一律10.99
that is your investment broker, not a bank, so you can still leave your money in your TD. But I suggest you put your partial of US dollars in Ameritrade for those part you don't withdraw frequently. Because they are an investment orginaztion and will give you higher interest than bank even you don't have any transaction on stock. Further more, you can order your personal US cheque with free of charge.
that is your investment broker, not a bank, so you can still leave your money in your TD. But I suggest you put your partial of US dollars in Ameritrade for those part you don't withdraw frequently. Because they are an investment orginaztion and will give you higher interest than bank even you don't have any transaction on stock. Further more, you can order your personal US cheque with free of charge.
长话短说
1.Cheque Certification
当你收到支票以后马上和银行确认，对方是否有这笔钱，一般至少要等2-3个Business day.
2. NSF items ( non-sufficient fund )
如果别人那你开的支票去取钱，因没有这么多钱而被退回，你要付钱 (我曾经付过2次，共50刀)
3. Stop Payment
你开出去的支票，将来反悔了，可以通知你的银行拒绝为这张支票兑现。如果别人拿走了，也没有办法。
4. Search and photocopy an item
你要查看以前的某个纪录，特别是重打账单，银行都是有影印件存档。
5. Dormant, inactive and unclaimed account notices
如果在某个特定的时间内，一般是2年，你的账号没有交易，如果重新用的话，要收费，如果通知了，还没有人来认领的话，被交政府！
6. OVERDRAFT PROTECTION
以防non-sufficient fund 的情况而多charge，就像买保险一样,然后给你开个Credit Line借钱给你，你只要偿还借款和利息。
所以，银行开户不仅仅是就近，还有很多讲究！同时还要跟他们争取各种服务free of charge.
