Personal Banking

Deposits

Bearing in mind that each of our customers is unique in their daily banking requirements, we designed a selection of Accounts and Deposits to meet the needs of different individual customers.

• Personal Interest Bearing Chequing Accounts (CAD or USD﹡)
• Personal Passbook Savings Accounts (CAD)
• RRSP Deposits for your retirement plan
• Term Deposits (CAD or USD﹡)
• Premium Term Deposits (CAD or USD﹡ for $100,000 or above)
• Tax-Free Saving A/C (CAD)
• Flexible Term Deposits (CAD Term Deposit for individual customer with an option of cashing out after 1 month / 3 months without penalty)

﹡Only deposits held in Canadian currency,having a term of five years or less and payable in Canada are insurable under the Canada Deposit Insurance Corporation Act.USD deposits are not insurable under the Canada Deposit Insurance Corporation Act.

Automatic renewal options for term deposits are available to save your time. Let us know your maturity instructions at the time of your initial investments; then rest assured that your investments will be properly handled at no extra charges.

Loans

We offer various kinds of credit facilities to meet your funding needs including:

• Secured Personal Loans
• Lines of Credit
• Residential Mortgages: Purchasing a house is an important decision. We are always there to discuss with you and assist you to arrange for financing.

Our Account Manager will be pleased to discuss with you various options to meet your financing requirement.

China Visa Service

To learn more about deposit insurance from the Canada Deposit Insurance Corporation including what instruments and/or products are eligible for deposit insurance, please visit their website by clicking the link above. Information on deposit insurance is also available in the CDIC brochure entitled "Protecting Your Deposits".