Horror stories from first-time

PC Financial Savings account

I phoned PC Financial to see why I had not received the promo interest from the last campaign (turns out I misunderstood the terms), But Brandon told me there was a new campaign. From my confirmation email:

Get ready to watch your savings grow. You're now earning 2.5% interest* until December 31, 2015 on new deposits into any of these accounts:
• Interest Plus™ savings account
• no fee bank account
• Interest Plus™ RRSP
• Tax-Free Interest Plus™ account
Offer Period: August 5, 2015 to December 31, 2015. To participate in the Offer, an eligible account holder must enrol between August 5, 2015 and September 30, 2015. Other accounts may be eligible for this offer. Ask for details.

The offer applies to all net new deposits made between August 5, 2015 and September 30, 2015, to eligible accounts, not to exceed (i) $500, 000 in the aggregate, across all of an account holder´s Eligible Accounts, and (ii) the aggregate net new deposits to eligible accounts made between August 5, 2015 and September 30, 2015.

The Non Registered promotional interest rate of 2.5% (the "Promotional Rate") is a combination of the regular annual interest rate on an eligible account (President´s Choice Financial no fee bank account, Interest Plus™ savings account and/or Interest First® savings account), which is calculated on its full daily closing balance and paid monthly, plus promotional interest calculated during the offer period. The Promotional Rate will be calculated during the offer period on the portion of aggregate average daily closing balances across all of a primary account holder´s eligible accounts that exceeds the aggregate closing balance across the primary account holder´s aggregate eligible account(s), if any, on August 4, 2015. Promotional interest will be paid in January 2016 into a single eligible account held by a primary account holder. Rates may change at any time. Offer is non-transferable, cannot be combined with other promotional rate offers, and may be changed or cancelled at any time.

The Registered promotional interest rate of 2.5% (the "Registered Promotional Rate") is a combination of the current annual interest rate on an eligible account plus promotional interest calculated during the offer period. For each eligible account (President´s Choice Financial The World´s Best Registered Retirement Savings Plan (RRSP), Interest Plus™ RRSP and/or Tax-Free Interest Plus™ savings account), the Registered Promotional Rate will be calculated on the portion of the eligible account´s average daily closing balance during the offer period that exceeds the closing balance as at August 4, 2015. The Promotional interest will be paid in January 2016 to the account holder´s eligible account(s). If an account holder has multiple eligible accounts, the promotional interest for each eligible account will be paid separately into such eligible account.

Other conditions and restrictions apply. Click here for detailed Terms and Conditions, visit a pavilion, or call 1 888 723 8881 for the full terms and conditions of this offer. For more information, including current rates, visit, speak to a representative at a President´s Choice Financial pavilion or call 1 888 723 8881.

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