For All Canadians here, what is your favoirte bank or credit union.

I have my RRSP in the CIBC. That was the first bank I joined. I later joined the credit union when I got married, but went back to the CIBC. We bought our car using the Bank of Montreal and since they had a good US banking savings account, I joined, but stuck with the CIBC until I noticed that there they have these long line ups of old people who do not know how to operate an ATM so I opened up a savings and checking account at the Bank of Montreal. It was toss between that and the Royal Bank, but the Bank of Montreal does not have service fees for older people.

I deal with the CIBC but I really hate the lineups on Pension day. I was thinking of switching to the Bank of Montreal that is kitty corner across the street and closer to walk since they moved the CIBC a little farther along the street. I also have my CIBC linked with my ING high interest savings account since the CIBC does not pay high interest unless I have a high amount.

I was thinking of getting a President's Choice because we do all our shopping at the Stupidstore, I mean, the Superstore and it would be easier getting money instead of walking all through this horrible cold weather we are having. But don't you have to have a minimum balance in it to gain the high interest rate?

I have my high interest savings in ING, and since I am almost 65, I will be cashing out my RRSPS and converting them to RIFS. But I was thinking of having a GIC at ING, only I want one that has both American and Canadian funds - not known for my loyalty.