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.

Canadian Tire Bank Canada Review

Canadian Tire Bank was established in the year 1922. It is headquartered in Welland, Ontario. Canadian Tire Financial Services Limited is wholly owned by Canadian Tire Corporation, Limited.

It has over 4 million Canadian Tire MasterCard accounts; and also offers a wide range of insurance, warranty products, High Interest Savings Accounts, GICs and Tax Free Savings accounts.

To contact Canadian Tire Customer Service you can call at 1-866-681-2837 between the hours of 8 AM and 11 PM EST.

For Canadian Tire Card you can call at 1-800-461-2800 and for Canadian tire line of credit you can call 1-877-609-4872 and to visit its official website you can log on to www.myctfs.com

Canadian Tire Bank also provides variety of credit cards such as
Canadian Tire Options Master Card -The annual interest rate of 19.9 % is charged for Purchases, Balance Transfer and Cash Advances, and if ones application is not approved for the card at this rate, then the bank will issue a card at an annual interest rate of 25.99%. Grace period of 26 days for Quebec residents and 21 days for other residents is granted to repay back the balances of purchases. There is no annual fee charged. It is accessible online and is accepted globally. Earn Canadian Tire ‘Money’ rewards everywhere one shop and can redeem ones Canadian Tire ‘Money’ On the Card awards at any Canadian Tire store.

Cash Advantage Master Card - One can earn up to 1.5% cash back on all eligible purchases, one can earn up to 3 % cash back at Canadian stores, Canadian Tire gas bars and Marks Work Wearhouse/LEquiper stores. One can get unlimited cash back at no annual fee and ones cash back will automatically applied to ones card account every year. The annual interest rate of 19.9 % is charged for Purchases, Balance Transfer and Cash Advances, and if ones application is not approved for the card at this rate, then the bank will issue a card at an annual interest rate of 25.99%. Grace period of 26 days for Quebec residents and 21 days for other residents is granted to repay back the balances of purchases. There is no annual fee charged.

Other credit cards issued are :

• Gas Advantage Master Card
• Curve Master Card

Vancity Bank

Vancity Bank has been serving people of Canada through 60 locations province-wide serving over 400,000 members. It is headquarters in Vancouver, BC. VanCity offers a full range of banking services to Victoria and greater Vancouver area members including mortgages, savings, loans, insurance and online banking.

Vancity Bank has over $10 billion in assets, including $2 billion plus in business banking assets. And it has been recognized as the business banker of choice for over 25,000 for every type of businesses and not-for-profit organizations in B.C
To contact Vancity Bank you can dial 604.877.7000, the toll free number within Canada or the US you can dial 1888.826.2489; for phone banking you can dial 1.800.310.8777, Lost or stolen VISA cards you can dial 1.888.990.9691
The Vancity Bank offers a wide range of credit cards such as

Vancity Enviro Expense Gold Visa Card : The annual interest charged is 19.5 % and the grace period provided to make the repayment of the balances for purchases is 21 days. The annual fee of the Vancity Expense Gold Visa Card is $ 99 and one can get up to three supplementary cards with no additional fee. One can earn 1 reward point for every $ 1 spent with this card. One can also earn double points every time you purchase travel on your enviro Visa through www.myvisarewardsplus.com or the My Visa Rewards plus Travel Headquarters. One can earn 2,500 My Visa Rewards Plus points upon approval for an enviro Gold Visa and 3,500 My Visa Rewards Plus points every year on renewal of the card. A minimum of 5% of Vancity Visa profits is donated to the enviro Fund. It also provides a broad range of Visa benefits also it is accepted worldwide.

Vancity Enviro Visa Gold Low Rate & Rewards : The annual interest charged is 11.25 % and the grace period provided to make the repayment of the balances for purchases is 21 days. The annual fee of the Vancity Expense Gold Visa Card is $ 145 and one can get up to three supplementary cards with no additional fee. One can earn 1 reward point for every $ 1 spent with this card. One can earn 2,500 My Visa Rewards Plus points upon approval for an enviro Gold Visa and 3,500 My Visa Rewards Plus points every year on renewal of the card. It is accepted worldwide and is accessible online as well. One is also provided benefits like Extended Warranty, Travel Accident Insurance, Purchase Security Insurance and many more.

Other credit cards
1)Enviro Classic Visa Card
a)Enviro Classic Visa with No annual fee and Rewards
b)Enviro Classic Visa with Low Rates
c)Enviro Classic Visa Low Rates and Rewards
2)Enviro Gold Visa Card
3)Enviro Reloadable Visa Card
4)Visa Gift Card
5)Winter Games Visa Prepaid Visa Card

Scotia Bank Review

Bank of Nova Scotia was established in the year 1832. This Canadian based bank offer a broad variety of products and services, encompassing personal, commercial, and corporate and investment banking.

Scotia Bank offers its services to more than 14.6 million customers in some 50 countries all over the globe. In Canada it works through a group of 1,019 branches, 2,964 automated banking machines and 101 Wealth Management offices.
It offers services like mortgages, loans, credit cards, investments, insurance and day-to-day banking products, retail brokerage, investment management advice; mutual funds and savings products and more.

To contact Scotia Bank for general inquiries one can dial 1-800-472-6842, for services for the hearing impaired one can dial 1-800-645-0288, for visa center one can dial 1-800-387-6466, for investment line one can dial 1-800-953-7441, for McLeod Direct Investing 1-800-263-3430, for mutual funds one can dial 1-800-268-9269, student loan centre one can dial 1-800-972-6842. To visit its official website you can log on to www.scotiabank.com
It also offers variety of credit cards to meet the financial needs of the customers such as

Scotia Gold Passport VISA Card - The annual rate of interest is charged at 19.5 %, the grace period provided to repay the balances for purchases is 21 days. The minimum credit limit allotted is $ 5000. The card comes with an annual fee of $110. One can earn 1 reward point with $1 spend with this card. One can travel anywhere, at any time of the year with no restrictions. If one get a new Scotia Gold Passport VISA card before April 30, 2010 and receive 20,000 bonus Scotia Rewards points on one’s first purchase and another 10,000 bonus points after one’s first year renewal. One will also receive a special introductory annual fee of $99 for the first year. Points earned can be redeemed also for various options. It is accepted worldwide and is accessible online too.

Scotia Scene Visa Card - The annual interest rate on purchases is 19.5% and 21 days of grace period is granted to a card member so that the card member can easily pay back the balances of purchases and within this grace period there is no interest charged. One will receive 1 SCENE point for every $1 spent. One will also earn 5 SCENE points for every $1 spent at participating Cineplex Entertainment theatres. When one make the first purchase with this Scotia Bank Credit Card than one will receive 2000 bonus points. One can even redeem these points earned for music, movies and more. Scene Credit card does not charge an annual fee for it. One would be provided a minimum credit limit of $500 and maximum is subject to the status. And one can enjoy a wide variety of benefits and features with it.

The other credit cards offered by Scotia Bank are :

• Scotia Momentum VISA
• Scotia bank Value VISA
• Scotia Hockey VISA
• No-Fee Scotia Money back VISA
• No-Fee Scotia Gold VISA
• No-Fee Scotia bank Value VISA
• Scotia Bank Line Visa Card

First National Financial LP Review

First National Financial LP is the leading non-bank supplier of single family residential mortgages in Canada. It offers clients a collection of flexible and pioneering mortgage keys to ensemble any lifestyle.

It offers Canada’s a wide range of mortgage product line-up, backed by its intellectual team of mortgage experts. It’s headquartered in Toronto.

Contact Details:

To contact Fist National one can call customer care at 888.488.0794, can fax at 866.325.2563 or can email, and to check the details of the products and services offer one can even visit its official website that is www.firstnational.ca

It also offer a credit card to meet the financial needs of its customer that is

First National Master credit card with World Points - An annual percentage rate of 1.9 % for the first 6 months from the date of account opening is applicable on Balance Transfer and the standard annual interest rate of 12.99% is applicable on Purchases. The annual interest rate on Cash Advances and Balance Transfer is 14.99%. 21 days of grace period is offered to a card holder so as to make the balances of purchases interest free. A low annual fee of $ 29 is applicable for the card. One can earn 1 reward point with every $ 1 spent with this card. One will receive 2500 bonus world points with ones first qualifying purchase. One can earn reward points faster as there is no cap specified to earn points. Points earned are redeemable also for various options such as for travel, merchandise, gift certificates and more.
To purchase this credit card one has to be a Canadian resident and should be 18 years of age and one has to fill an application form easily accessible through its website and it can be easily applied over phone also. One has to provide certain proof for verification such as address proof, income proof, age proof etc.

Alterna Bank Review

Alterna Bank was established in the year 1908 and it is a wholly owned subsidiary of Alterna Savings. It offers a full range of financial products and services. It is headquartered in Ottawa, Ontario.

Its Business line includes Personal and Business Banking and provides services like Personal loans, mortgages, RRSPs and investment options and much more.
To call Alterna Bank one can call at a toll free number that is 1.866.560.0120 and to visit its website one can call at www.alterna.ca

Credit cards offered by Alterna Bank are:

Platinum plus MasterCard : This Alterna Credit card charges a low annual percentage rate on purchases is 9.99% and annual percentage rate for cheque advances and balance transfers is 11.99%. This Alterna world point’s credit card also provides a promotional introductory interest rate on cheque and cash advances and balance transfers of 1.99 % for 6 months. And the Alterna Bank also provides grace period of 25 days for making repayment of the balances for purchases. One will earn 1 World Point for every $2 in net retail purchases made from this travel credit card. The card member will receive 1,000 bonus World Points upon making the first qualified purchase and would also collect 1,000 bonus World Points every year on renewing ones credit card. There is no limit specified to earn points, one can earn as much points as one wants.

Alterna Bank Travel Rewards Master Card : The annual interest rate charged for this Alterna Bank travel Master credit card is 18.99 % on purchases and 19.99 % on cash transactions. This travel reward credit card has an annual fee of $ 89. The over limit fee applicable for this credit card is $ 35. One can earn 1 point for each $1 in Net Retail Purchases done through this credit card. One will also collect 2,500 bonus points the first time when one uses this card. One will also collect 2500bonus points each year on renewing this Alterna Bank travel credit card. One can collect 100,000 point maximum per year and there is no expiration date on points. Points earned can be redeemed with more than 75 airlines and there is no blackout dates.

Alterna World Points Master Card No Fee Card : This Alterna Credit card charges a low annual percentage rate on purchases is 14.99% and annual percentage rate for cheque advances and balance transfers is 16.99 %. This Alterna world point’s credit card also provides a promotional introductory interest rate on cheque and cash advances and balance transfers of 1.99 % for 6 months. And the Alterna Bank also provides grace period of 25 days for making repayment of the balances for purchases. One will earn 1 World Point for every $2 in net retail purchases made from this travel credit card. The card member will receive 1,000 bonus World Points upon making the first qualified purchase and would also collect 1,000 bonus World Points every year on renewing ones credit card.