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Opening a bank account
February 26, 2020

I am a Canadian, free to speak without fear - Taken right off the Government of Canada website but not by the government and not the whole truth! Anyone surprised that you would find deception on a government sites needs to give your head a shake and read/hear this.

All this information is correct if you are a business going in to open a retail deposit account because you will have a retail deposit account when you leave if you consent to this!

Welcome to reported activities, lots of fees, loss of privacy and bank policies! But it does not have to happen if you know your rights.

See below for the right method!

All of what is below is very true according to the “Access to Basic Banking Services Regulations” But only if you consent. If you consent to becoming a corporate sole that is and all that entails.

From: Financial Consumer Agency of Canada [see the tab on the left]

In Canada, you have the right to open a bank account at a bank or a federally regulated credit union as long as you show proper identification.

You can open an account even if you:

don’t have a job
don’t have money to put in the account right away
have been bankrupt
To open an account, you usually have to:

go in person to a financial institution
provide an acceptable form of identification
Contact the financial institution to find out if there are other ways to open an account. Financial institutions that operate only online may require that you have an existing account with another financial institution before opening an account for you.
Access to Basic Banking Services Regulations
February 24, 2020

Apparently the Access to Basic Banking Services Regulations only applies to the Opening of Retail Deposit Accounts!

If the “Access to Basic Banking Services Regulations” states it only applies to retail deposit account
s, that should indicate to us, the existence of another type of account available that ir does not apply to.

One, that neither the government nor the banks want us to find out about!

See for yourself!

Marginal note:Definitions

439.1 The following definitions apply in this section and in sections 445 to 448.2, 458.1, 459.2 and 459.4.

low-fee retail deposit account means a retail deposit account that has the prescribed characteristics. (compte de dépôt de détail à frais modiques) [opened by a corporate sole]

member bank means a bank that is a member institution as defined in section 2 of the Canada Deposit Insurance Corporation Act. (banque membre)

personal deposit account means a deposit account in the name of one or more natural persons that is kept by that person or those persons for a purpose other than that of carrying on business. (compte de dépôt personnel) [opened by a natural person]

retail deposit account means a personal deposit account that is opened with a deposit of less than $150,000 or any greater amount that may be prescribed. (compte de dépôt de détail) [meant to confus] [opened by a corporate sole]

Financial Consumer Agency of Canada
February 24, 2020

Financial Consumer Agency of Canada - What a crock of BS. This is government protecting corporations nothing more!

The Financial Consumer Agency of Canada (FCAC) ensures federally regulated financial entities comply with consumer protection measures, promotes financial education and raises consumers’ awareness of their rights and responsibilities. [as corporate soles]

"consumer protection"  does not mean that it agency is protecting you unless you opened a retail bank account that only a fictional corporate sole can open. We are not talking about inalienable rights here, just the privileges also called rights the government gives the corporate soles to violate your human rights on the down low!

This agency has nothing to do with people so do not buy into this! Any government or corporation claiming anything different is making a frivolous claim!

Banking agreements protect banks
February 19, 2020

Online banking agreements protect banks, hold customers liable for losses, expert says
Erica Johnson · CBC News · Posted: Feb 09, 2020

Contract lawyer says terms overwhelmingly favour banks, calls for more consumer protections

Contract lawyer says terms overwhelmingly favour banks, calls for more consumer protections. [or]
SCC: On Contracts
• Supreme Court of Canada 2018 decision
• Douezv. Facebook, Inc., 2017 SCC 33, [2017] 1 S.C.R. 751
• contracts with imbalance of negotiating power subject to
review of unfairness in terms: when it is a take it or leave it service required under the constitution and the charter

Most of Canada's five big banks — BMO, CIBC, RBC, Scotiabank and TD — recently updated their electronic banking agreements, so Go Public asked an expert to assess how well they balance the banks' liabilities against customer protections.

The news is not good for millions of customers.

"They are so one-sided and benefit the banks to such a degree that there is no way that I would call these bargained agreements," said Anthony Daimsis, a professor of contract law at the University of Ottawa.

"These are take it or leave it — where the taker [customer] really has no option."

I don't know if I'm really agreeing to something if I have no choice.
- Prof. Anthony Daimsis, University of Ottawa

All say the banks are entitled to change the agreements at any time, and most say they will determine how customers are notified.

Banks deny compensation when hackers steal customers' money -

Banks and Financial Institutions
February 12, 2020

Banks are racketeers and terrorist operating illegally with no regard for the law or your rights only their bottom line.

It is a frivolous claim that Financial Institutions have jurisdiction or authority over an indigenous individual’s rights! Their only hope is by larceny, extorsion and a prayer. Financial Institutions are praying that somewhere along the line they get you to consent to their frivolous claims or that you will take them into the wrong courts, one of their own administrative statutory courts where the rule of law is not applicable. One which the racketeer’s control for their own profit!

That is why all public servants and services and free institutions like “Financial Institutions" are mandated TO SUPPORT the Constitution, NOT interpret it.
Up date on e-transfer
March 25, 2020

From: BMO Bank of Montreal <>
Sent: March 25, 2020 6:01 AM

And, you’re protected with our 100% Electronic Banking Guarantee.
Ernie (Erminia) Johannson
Group Head, North American Personal & Business Banking,
BMO Financial Group

February 20, 2020

Did you know that banks refuse to use email claiming it is not safe and refuse to use encrypted email to address that issue?

Did you know that banks send regular emails when you do an email transfer and then have the gall to claim they are not directly responsibility when the money is stolen?

Time to speak up if you think that is a dishonest business practice!

Banks tell dozens of customers they're to blame for thousands of dollars lost to e-transfer fraudsters
Social Sharing Erica Johnson · CBC News · Posted: Sep 22, 2019

Marketing that claims people are protected when they e-transfer money is misleading

A police detective with Toronto's cybercrime unit says e-transfer fraud is on the rise.

Financial institutions need to do a better job of informing customers and protecting customers from the risks not pass the blame and financial lost onto people who should have an actual savings account. [see saving banks above]

The banks are responsible — solely responsible — for building and maintaining their own infrastructure that is why they carry insurance - Canada Deposit Insurance Corporation!
February 26, 2020

The Bank Act gives permission to the Banks to act in certain, specified ways in certain circumstances.

The Bank Act gives NO permission to the banks to ask for any ID when opening a "personal deposit account". But only the one which is not also a "retail deposit account"!

If you run into any of what follows, you are not getting the right "personal deposit account". With a "retail deposit account" the Banks have permission to ask for ID given by the Bank Act. With a  "retail deposit account" the banks use the “Access to Basic Banking Services Regulations” to cover their privacy rights violations among others and the refusal to open an account.


There are no sections of the Bank Act giving permission for any ID requirements related to a "personal deposit account"

The "Access to Basic Banking Services Regulations" is related ONLY to opening "retail deposit accounts". There are no sections of the Bank Act giving permission to create regulations for opening a "personal deposit account" that is not also a "retail deposit account".

Standard refusal to open account
February 26, 2020

If you see something related to any of this below, it only applies to  retail deposit accounts! Banks need your permission for the personal deposit account for everything!

3. ( I ) Subject to subsection (2), subsection 448.1(1) of the Act does not apply in
the following circumstances:
(a) if the member bank has reasonable grounds to believe that the retail
deposit account will be used for illegal or fraudulent purposes.
(b) if the individual has a history of illegal or fraudulent activity in relation to
providers of financial services and if the most recent instance of such activity
occurred less than seven years before the day on which the request to open a
retail deposit account is made.
(c) if the member bank has reasonable grounds to believe that the individual,
for the purpose of opening the retail deposit account, knowingly made a
material misrepresentation in the information provided to the member bank.
(d) if the member bank has reasonable grounds to believe that it is necessary
to refuse to open the retail deposit account in order to protect the customers
or employees of the member bank from physical harm, harassment or
other abuse; or
(e) if the request is made at a branch or point of service of a member bank
at which the only retail deposit accounts offered are those that are linked
to an account at another financial institution.

opening a personal deposit account
February 26, 2020

Did you know that at one time the bijural banks under the Bank Act did offer a saving account as is required in section 91 16. Savings Banks. [Constitution Act] You could open one with just a signature on a signature card! That personal deposit account is still there!

These free accounts collected no private information beyond your name! I do not remember but to open one you may have had to prove that was your name.

While today such an account still exists in the Bank Act, As it stands today the banks are no longer operating as a bijural service which is unconstitutional. As is, not allowing you to open such an account and to do so without showing government identification of any kind!

Todays banks only deal with corporate soles that have corporate sole identification and retail accounts that are not free! Do not believe banks and their bull crap! Banks do not make the law and depend on their survival that you remain ignorant of the fact that banks have no authority over people just fictional persons/corporate soles and are always liable for harm done to the people.

So do you need a savings account and/or a retail bank? One account is free the other kind banks get to nickel and dime you to death with and violates your privacy right among others!

personal deposit account p2
February 25, 2020

The elusive "personal deposit account" bank account, like the rights you don't know you have, has always existed. Fraudulently, hidden, unknown, unclaimed and unused.

When you try and claim what is rightfully yours you will be met with resistance, disdain and in some cases fear.

The Bank Act is one law that helps create the Banks and the Peace, Order, and good Government of Canada. This is a constitutional government duty to make access to the financial system possible for every man. Sadly, The racketeers have hidden the personal deposit account and canceled the Peace, Order, and good Government of Canada requirement with the help of the government legislation.

The Bank Act is to control the banks and gives no bank authority or jurisdiction over you! While a “retail deposit account holder” has a corporate sole and a completely different fate!

Time to push the racketeers to OBEY the law and provide accrss to personal deposit account for everyone equally.

Opening one of these private accounts is your right. But then if you do not know your rights the rackeeteers have no reason to help and will do everything to prevent you from finding and accessing this account!

personal deposit account p3
February 25, 2020

The first thing you may want to do is write down what you want and do not want! Show it to the bank representative helping you so when they try to move you into an account you do not want you have something to prove the error of their ways!

You want a personal deposit account which means a deposit account in the name of one or more natural persons that can not be prescribed. [this account requires no government id and the bank can not refuse you this account]

Do not spend time arguing with front line staff about this. They very likely have no idea of what you are asking for on purpose. These people are in place to frustrate you, so you leave without opening the account. Instead, ask to speak to their supervisor!

You do not want the [let’s confuse everyone] retail deposit account which means a “personal deposit account” that is opened with a deposit of less than $150,000 or any greater amount that is prescribed with regulations. [Actually I do believe a statement like that is illegal these days because it is in legaleez and not English]

The prescribe bank regulations for the retail deposit account[s] - Access to Basic Banking Services Regulations (SOR/2003-184) 2 - Opening of Retail Deposit Accounts.

These regulations do not mention the personal deposit account in the regulations because this account cannot be prescribed and either will the bank! Unless you bring the subject up that is!

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