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As to me, I dont' think it is so complicated.
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6 O( v! @6 I. S% j1 T# Y7 ]8 NWhen I came to Edmonton, I went to TD bank to open a checking acount. I was told as long as I maintained the balance above 1000 (anytime), I didn't need to pay any transaction fee.
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It is true, and there are also restrictions on how many times you can use the ABM or go to the teller, but for me, I didn't need so many transactions so I didn't pay any fee.
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To Credit card, when I first came I didn't need to buy car or other luxuries, I didn't apply for it. I got my first job two weeks ago I came here. When I had been here for just over 1 month, I went to TD bank again to apply for a Credit Card, telling that I had a job, which they could verify by checking my account. By the way, I had deposited 2 paychecks to my checking acount by that time. I got my credit card in about 2 week later without paying any deposit.9 n' h' ?0 O& }: S. ] [+ j
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If you think you might be in a similar situation like mine, you can do the same and you don't need to waste your money or face the inconvenience of the frozen deposit. |
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