手上的美元如何处理？

[imbit]

手上一些美元，但是又不用着急都换成加元。所以最好存在一个利率高点的地方，存在哪里好呢？

 

[dkwan]

open an ING account, and make a USD investment saving account. 3.5%

 

[imbit]

最初由 dkwan 发布
open an ING account, and make a USD investment saving account. 3.5%

icicibank 这个网上银行如何？ 4.25% US Saving

http://www.icicibank.ca

 

[dkwan]

sure it would be ok

but you need to go to toronto to open the account

 

[无敌士]

icicbank is better than ing. lots of my friends use it.

 

[Kathy dog]

Is icicibank like pcfinancial which is a bank without branches?

 

[Kathy dog]

I have some questions about open a new US saving account. It shows that I need to mail a personal check to Toronto, but even though I have a US account in another financial institution, I don't have US personal check, can I just use my personal check?

 

[dkwan]

because all the account opened in Canada must be accompanied by photo id, and its governement law.

If you opening an account with ING ( for example ), since they are not physically see your id. thats why they need an existing US account by a local bank. Since if you open one in a local bank, ING will assume the local bank is already check all the id and things. So, ING can omit this step.

Thats why ING is requesting a personal check from your personal US account to open the connection.

 

[Kathy dog]

So I can use my personal check for US dollars (I assume it is used for Canadian dollars and always do so)?

 

[dkwan]

CAN and US account has their own chq.

If you want deposit to your ING US account, then you must use a US account chq.
Same thing for CAD.

Example, if you open a US account, and send a CAD$ chq to them. it won't work

 

[kliu]

最初由 dkwan 发布
CAN and US account has their own chq.

If you want deposit to your ING US account, then you must use a US account chq.
Same thing for CAD.

Example, if you open a US account, and send a CAD$ chq to them. it won't work

You need a USD checking account. You can open one in any major bank and the checks will have a "US Dollar" line printed on them. ING will link their account to the USD checking account when you make deposit or withdrawal.

 

[kaluos]

好多银行有Term account ,假如你有段时间不用,可以考虑它.我前半个月刚在CIBC开了一年的Term Account,年利率为4.65%.三个月,半年的稍低一些.可以直接到银行让推荐一下.

 

[Kathy dog]

I have no idea about term account. Is it high risk?

 

[dkwan]

term account is like you locked the money for a period of time an cannot touch it.

US Term deposit is not CDIC insured, means if the bank *ever* shutdown. you lose the money.

 

[Kathy dog]

So it is sort of like saving account.