We will evaluate if your topic is suitable for the subreddit and will set a date to avoid conflicts. If you'd like to host an "I Am A/Ask Me Anything" (IamA/AMA) thread, you must first contact the moderators for approval. Pushing a particular investment on a user may be removed. Broad funds/ETF's, or discussion of investment concepts would still generally be allowed. Cryptocurrency, the entire asset class, will be treated like a "specific investment". This also extends to PM'ing users because of comments they made on this subreddit.Ĥ) All specific investment recommendations will be removed. We expect that users do not use this forum to build a brand, for financial gain, or to attempt to gain traffic or users. This includes solicitation of referrals, posting your own blog, video channel or personal website, and recommendations for users to do business with you. Comments suggesting that sharing financial information in a personal finance subreddit is a "humblebrag" will be removed. Refrain from "judging" the financial situation of others - whether their situation is dire or well-off.
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You can feel free to be "harsh", but never insulting. This covers a very wide variety of topics, including banking, employment, budgeting, minimizing recurring or popular expenses, advice for large purchases, and more.īe patient with others.
Personal Finance Canada Discord: AMAs Person / CompanyĪuto Budget Credit Debt Employment Housing Investing Retirement Taxes Meta Banking Misc Estate Insurance Rulesġ) Posts must be about personal finance in Canada The topic of "personal finance" includes budgeting, goal planning, taxation, saving, investing, banking, credit cards, insurance products, life event planning, major purchase advice, unique deals and tips for frugality, employment and other income sources, global or national economic news and discussions, and a variety of similar topics. You may still be assessed an Overdraft fee ($35 max of $105 per day per account) if the transfer could not be made such as if there is not enough money in the linked Savings or Money Market account to cover the overdrawn balance or if you manually transfer the money after overdrawing your account and your transfer is insufficient to cover the overdrawn balance.This subreddit is a place to discuss anything related to Canadian personal finance. See the Personal Deposit Account Agreement for more details.Ĩ Please refer to TD Bank Overdraft Protection and Services for information on available overdraft options.ĩSavings Overdraft Protection transfer initiation is automated at end of the Business Day when the pending and posted transactions result in an overdraw balance. Upon the account holder's 24 th birthday the account will be subject to the monthly maintenance fee unless the $100 minimum daily balance is maintained for Convenience Checking and the $300 minimum daily balance is maintained for Simple Savings.ħFor the first 12 months, waived each month you have a linked eligible TD Bank checking account and a recurring transfer of $25 or more from a TD Bank checking account.
For example, preauthorized transactions and other transactions may post to your account even when the balance in your account is not sufficient to pay the transaction.ĦMonthly Maintenance Fee is waived for primary account holders ages 17 through 23. Transactions that you make may cause your account to overdraw but we will not assess your TD Essential Banking Account an overdraft fee or return item fee.
We may decline or return transactions that would result in an overdraft. Please see the Personal Account Maintenance Information Grid for additional details.ĥOverdraft Services do not apply to TD Essential Banking Accounts. Upon the primary account holder's 18th birthday the account will be subject to the monthly maintenance fee. Please refer to the Mobile Deposit Addendum.ĤFor the TD Essential Banking account the maintenance fee is waived if the Primary account holder is 13 through 17 years of age.
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Upon the primary account holder's 24th birthday the account will be subject to the monthly maintenance fee unless the minimum daily balance is maintained.ĢIf you are under the age of 18, you must open a joint account with a parent or legal guardian as the secondary owner.ģTD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. 1TD Convenience Checking SM monthly maintenance fee waived if the Primary account holder is 17 through 23 years of age.
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