First Calgary Savings

First Calgary Savings was incepted in the year 1987 when eight open-bond credit unions and two additional merged. Since 1999, it has been selected as one of Canada's 50 Best Managed Companies. It is headquartered in Alberta.
The product and services offered by the First Calgary Savings include Day-to Day Banking Solutions, Investment Solutions, and Mortgage Solutions, Borrowing options, student services, Insurance solutions, online banking and First Call Real Estate Program.

Day to Day Banking Solutions include services like Account Packages, Account Statements, Overdraft Protection, Credit card and Debit card options, Traveller Services, Self-serve Banking. Its Investment Solutions offers services like enhanced growth term deposits, Term Deposit Options, Tax-Free Savings Account, U.S Term Deposits, One2One financial Consulting, Personal Investment Advocates, Qtrade Online Investing, RSP Retirement Savings Options, Retirement Investment Options, Mutual Funds Options.

It also offers credit cards to help its customers to meet their financial requirements.

No Fee Loyalty MasterCard - First Calgary Savings charges an annual interest rate of 19.49% for Purchases, Balance Transfer and Cash advances. A card member is provided a grace period of 21 days to repay back the balances of purchases. One will earn 1 point for every $2 charged for net retail purchases. There is no cap mentioned to earn points, one can earn as many points as one wants. One can redeem the points earned for various options such as merchandise, cash, gift cards, travel and much more. No annual fee is charged. One will also enjoy various benefits like Optional Balance Protection Insurance, Master Road Assist, 24-hour lost/stolen card assistance, Global Acceptance, Baggage Delay and Common Carrier Travel Accident Insurance, Online accessible and much more.

Low Fee MasterCard - An annual interest rate of 19.49% is charged for Purchases, Balance Transfer and Cash advances. A card member is provided a grace period of 21 days to repay back the balances of purchases. A low annual fee of $12 is charged for the card but one can purchase additional cards at no extra costs. And one can earn Choice Rewards Program with an annual fee of $24. One will also enjoy various benefits like Optional Balance Protection Insurance, Master Road Assist, 24-hour lost/stolen card assistance, Global Acceptance, Baggage Delay and Common Carrier Travel Accident Insurance, Online accessible and much more.

Other credit cards offered are
1)Low Fee Gold Master Card
2)Gold Master Card

To contact First Calgary Savings one can call 1-866-923-4778 and for lost or stolen credit card one can dial 1-800-567-8111, for one 2 one Financial Consulting one can dial (403) 520-2180, and for CUIS Home and Auto Insurance Home and Auto Claims one can dial (403) 265-7366 and to visit its official website one can dial www.1stcalgary.com .

President Choice Financial

President Choice Financial Services is a only one of its kind financial services offerings designed by Lob law Companies Limited. President's Choice Financial services has no branches, instead customers are provided with 24/7 online access, via telephone and bank machine. The best thing provided by the President choice Financial Service is that it does not charge daily banking fees which help its customers to save their customers money.

The next best thing about this financial service provider is that it charges competitive low interest rates than those posted by the big banks.

Though being the branch less financial service provider one has a full access to ones accounts as one can bank online, by phone and at President’s Choice Financial and CIBC Bank machines. One can easily access ones President’s Choice Financial Master Card or PC points account online at any time.

It provides services like mutual funds, low-cost borrowing, savings and investments, mortgages and much more.

To contact Presidents Choice Financial Service one can dial 1-88-88-724-724 for general inquiries, to bank by telephone, call 1-888-723-8881 and to visit its official website log on to www.pcfinancial.ca

It also offers credit card to help its customer base to meet their financial requirements.

President Choice Master Card : The annual interest rate of 5.97% is applicable for Balance Transfer for 4 months and after the introductory period is over a standard introductory interest rate is applicable that is of 19.97% (variable). A grace period of 21 days is also granted to a card member so as to make the balances of purchases interest free. No annual fee is applicable. One would also be provided PC points program. New PC customers will get 5000 PC points at the time of first purchase. One will get 10 pc points for every dollar one spends on the card. One can redeem the points as soon as one accumulates 20000 PC points that’s a $20 value

Pacific & Western Bank of Canada

Pacific and Western Bank of Canada is a Schedule I chartered bank. It is a branchless bank featuring an exclusive and pioneering structure that provides clear and tangible profits to its customers and because of this feature it facilitates to save a great amount of operating expenses permitting it to pass on these savings by way of more cost effective lending rates to its clients.

It is the 9th largest broadly assumed Schedule I Bank as it features high quality loan and investment portfolios, and ample capitalization, it also offers its clients a better, quicker, and more cost-effective financial solutions.
Pacific & Western Bank was incepted in the year in 1980 as Pacific & Western Trust Corporation, and later it became a Schedule I Chartered Bank. Pacific & Western Bank is a subsidiary of Pacific & Western Credit Corp.

Pacific Western Bank is a member of the Canada Deposit Insurance Corporation (CDIC), and the Canada Mortgage and Housing Corporation (CMHC).

It offers a wide array of savings and investment products such as GICs, RRSPs, Savings, TFSA all of which are entitled for insurance from CDIC and are accessible through a countrywide network of deposit brokers and financial advisors. It offers security that is provided by CDIC and it also presents competitive interest rates.
It also focuses in offering cost-effective financing to well establish corporations and government organizations. Its lending products are specially customized to preferably meet the requirements of its customers.

To contact Pacific and Western Bank one can call at 519-645-1919 or can even call at a toll free number that is 866-979-1919 and the fax number is 519-645-2060. For Deposits – GICs & Savings call at 306-244-1868 or at the toll free number 800-213-4282 or can fax at 306-244-4649 and to visit its official website log on to www.pwbank.com

Home Trust Company

Home Trust Company was incepted in the year 1977 in Ontario, Canada as Home Savings and Loan Corporation.

It is Canada’s one of the leading trust companies featuring a wide assortment of financial products such as Mortgages, Visa cards, deposits and retail credit services. It is a federally regulated trust company carrying on business across Canada.

It is headquartered in Toronto and has offices across the country from Halifax to Vancouver.

For general inquiries one can call 1-877-903-2133 or 416-360-4663 or can fax at 1-888-470-2092 or 416-363-7611 or can email for mortgage enquiries one can call at 1-877-903-2133 x 5820, for visa card one can call at 1-888-281-7793, for Deposits one can call at 1-877-903-2133 x 5055, for Retail Credit Services one can call at 1-888-763-0002. And to visit its official website one can log on to www.hometrust.ca

It also offers various credit cards such as :

Home Trust Equity line Visa Card - The Home Trust Equity line Visa Card combines the advantages of a line of credit with the convenience of a Visa card and all the benefits of Gold. It charges an annual interest rate of 4.99%, 5.99%, 6.99%, 7.99%, 8.99%, 9.99%, 10.99%, 11.99% or 13.99% (depending upon the credit worthiness of the card holder)and the annual credit rate in Québec is 9.99%, 10.99%, 11.99% or 13.99% (depending upon the credit worthiness of the card holder). A grace period of 21 days is also provided to repay back the balances of purchases interest free. There is no annual fee in all provinces except Québec. In all provinces except Québec, a one-time account set-up fee of up to 3% of the approved credit limit will be charged to your Visa account. In Québec, a $100 annual membership fee and a $700 collateral security fee will apply. It also provides benefits like Auto Rental Collision/Loss Damage Insurance, Emergency card and cash replacement, guaranteed hotel reservations, Health and Legal Assistance Services, accessible online, pay bills online, shop online, accepted globally and much more.

Home Trust Secured Visa Card - It is a perfect credit card to build or re-build one’s credit. It requires a minimum deposit of $500. An annual fee of $49.00 is applicable for the card. The annual interest rate applicable for the card is 19.99% for Purchases, Balance Transfer and Cash Advances. One can get a credit line up to $ 10000. It is an online accessible card, one can shop and pay bills online, accepted worldwide, cash access through ATMs which displays Visa Card acceptance and much more.

Bridgewater Bank

Bridgewater Bank is one of the leading membership service organisations in Alberta and is a wholly owned subsidiary of the Alberta Motor Association (AMA) and it was incepted in the year 1997.

It manages an assortment of $2.81 billion in mortgages and $408 million in GICs consisting of close to 16,000 mortgage and 14,200 GIC accounts across Canada.
Its business line encompasses Mortgages, Investments, Solicitor Resources, Broker Resources and much more.

Bridgewater Bank features competitive interest rates, consistently superior service and a variety of innovative mortgage programs such as BwB insured fixed rate program, BwB Reno –for-More-Program, BwB Interim Financing Program, BwB Rental Property Program, BwB No GDS Conventional Program etc.
It also features Guaranteed Investment Certificates (GICs) through a select deposit broker network.

To contact Bridgewater Bank one can dial a toll free number that is 1-888-837-2326 from Monday - Friday 8:30 - 4:30 MST and if one wants to visit its official website one can log on to www.bridgewaterbank.ca

ATB Financial Services

ATB Financial Services was incepted in the year 1938. It is headquartered in Edmonton, Alberta. It is a full service financial institution offering services in the area Personal, Business financial Services, Corporate Financial Services, and Investor services to more than 670,000 people in Alberta. The Personal Banking offer services like Personal loans, Deposit Accounts, Master Cards, Mortgage Services, Internet Banking, Personal investments, Travel protection and much more.
In the year 1997 it became a provisional crown corporation and in January 2002, it launched its new corporate identity, ATB Financial.

It operates through 164 branches and 133 agencies. According to the financial year results for the year ended March 31, 2009 it has total assets of 26.5 billion, net income of $ 6.4 million, deposits of $ 23.8 billion, loans $ 22.8 billion and equity of $ 1.8 billion.

TO contact ATB Financial Services one can dial 1-800-332-8383 (toll-free) or (403) 245-8110 and to visit its official website log on to www.atb.com

It also offers a wide variety of Credit cards such as

My Husky Rewards Master Card - An annual interest rate of 19.9% is applicable on Purchases, Balance Transfer and Cash Advances. 21 days of grace period is also offered to repay back the balances of purchases. One can earn a full 2% back on purchases at participating Husky and Mohawk locations. One can earn a full 1% back everywhere else MasterCard is accepted. One will receive a $25 free gift including $10 in free gas with ones first purchase and extra rewards for CAA members and no annual fee is applicable.

ATB Financial Platinum Cash Rewards MasterCard - The annual percentage rate of 18.90% is applicable on Purchases, Balance Transfer and Cash Advances. 21 days of grace period is also offered to repay back the balances of purchases. One will receive 3% cash back for everyday purchases made at supermarkets, drug stores, gas stations, and home improvement stores and 1% cash back for all other purchases. The Annual fee is $ 120 and for additional card the annual fee is $25. One will also enjoy various benefits such as global acceptance, comes with chip and pin technology and many more.

Other credit cards offered are
1)Gold My Rewards MasterCard
2)Calgary Co-op Master Card
3)Gold Cash Rewards Master Card
4)Alberta My Rewards Master Card
5)Preferred Fixed Rate Master Card
6)Students First Master Card
7)Preferred Variable Rate Master Card

SMP Bank Review

SMP Bank was recognized as JSC Multibanka. It was listed in April 1994.It is headquartered in Riga and has 7 settlement offices in Riga the Bank has also settlement offices in Ventspils, Liepaja and Olaine as well as representative offices in Russia and Ukraine.

SMP Bank provides a wide range of financial services such as multicurrency accounts, cash operations, deposit operations; escrow accounts servicing, collection services, lending operations, currency conversion operations, finance instruments accounts opening, investment portfolio servicing and much more.

It also issues credit cards to help its customers to meet their financial needs. The credit cards issued by the SMP Bank are :

SMP Standard Master Credit Card - The interest rate for the allowed credit is 18% per year and interest rate on the balance on card account is 1,5% per year for the balance above USD 1000. The annual fee for UK residents USD 40, or LVL 20, EUR 30 and for non residents it can be USD 60, LVL 35, and in EUR 50. It is accepted anywhere around the globe where Master Card acceptance is displayed. There are numerous master card benefits which one can enjoy with this credit card.

SMP Bank Gold Master Card - The interest rate for the allowed credit is 18% per year and interest rate on the balance on card account is 1,5% per year for the balance LVL 5 000. The annual fee for UK residents USD 100, or LVL 60, EUR 80 and for non residents it can be USD 80, LVL 40, and in EUR 60. It is accepted globally and it is accessible online, one can make payments and purchases online, one can get easy cash access through ATMs which displays Master Card acceptance logo.