公司运作 【讨论】各种商业帐户的优缺点

[bigcake]

CIBC有一35元的无限账号可开

不知投哪些隐含的费用，比如支票簿等

与ATM机的连接如何进行？

欢迎讨论指教


其次，请用HSBC商业帐户的说一说。好像费用也很低的。

[ChinaSmileJoe]

和个人账户不同，商业支票本都是要额外收费的，没有免费的。

商业账户基本上都差不多，没有大区别。

和ATM机器连接是由ATM　MACHINE公司设定，和你在哪家银行开户没有关系。

[ATMgoodwin]

作者: bigcake

CIBC有一35元的无限账号可开

不知投哪些隐含的费用，比如支票簿等

与ATM机的连接如何进行？

欢迎讨论指教


其次，请用HSBC商业帐户的说一说。好像费用也很低的。

刚关了CIBC的business Account，个人感觉什么都好，就是费用有点贵，为ATM的账户完全可以通过合理的规划，选择一个费用低廉且回款迅速的银行business account

[progress]

Items Deposited
The fee for each Cheque deposited will be $0.18.
Previously, the fee was $ 0.16 each.
The fee for Cash deposited – bills (per $1,000)
will be $2.15. Previously, the fee was $1.80.
The fee for Coin deposited (per $100) will be
$2.15. Previously, the fee was $1.80.
For Accounts No Longer Offered*
For business accounts previously not charged
Items Deposited fees, the above standard fees
will now apply.
Currency Supplied
A fee of $0.45 per bundle of 100 bills ordered
and a fee of $0.16 per roll of coin ordered
will apply. Previously, the fee was $10 per cash
and/or coin orders supplied up to and including
$15,000 and a fee of $25 per cash and/or coin
orders supplied over $15,000.
For business accounts previously not charged
Currency Supplied fees, the above standard
fees will now apply, unless otherwise stated
in your written agreements with us.

对彩票commission over 3K 的点， 一天彩票SALE得上1K， 一个月有30Kdeposit，得不少钱哦？

[bigcake]

TD

Business Service Plan
Options1 Monthly Plan Fee Monthly Number of Transactions Included Monthly Cash Amount Deposited2 Included Monthly Number of Items Deposited3 Rebate of Monthly Plan Fee with a Minimum Monthly Balance of:4
1 $11.95 12 $1,000 5 $8,000
2 $16.95 20 $2,000 15 $10,000
3 $24.95 40 $3,000 25 $12,500
4 $33.95 55 $4,000 35 $17,500
5 $49.95 85 $7,000 50 $25,000
6 $69.95 120 $10,000 75 $30,000
7 $84.95 150 $15,000 100 $35,000
8 $99.95 180 $20,000 125 $40,000



Additional Fees for All Service Plans
Transactions exceeding monthly number of transactions included in Plan $1.00 per transaction
Cash Amount Deposited exceeding monthly cash amount deposited included in Plan $2.15 per $1,000
Items Deposited exceeding monthly number of items deposited included in Plan $0.18 per deposit item
Uncounted Batch5 of items deposited at a branch $8.00 per uncounted batch

[bigcake]

Have you considered HSBC? They have a new Business Account called “Business Direct”. No monthly fee and 20 free transactions (ATM, online, phone banking only). Seem like no min balance as well.

[sunny12345]

我是用td的，再同时申请td 的line of credit, 一般的deposit都通过loc, 再从网上transfer

[bigcake]

作者: sunny12345

我是用td的，再同时申请td 的line of credit, 一般的deposit都通过loc, 再从网上transfer

TD 的LOC可以申请多少？

[mzuf]

作者: sunny12345

我是用td的，再同时申请td 的line of credit, 一般的deposit都通过loc, 再从网上transfer

谢谢你，希望你再详细点描绘一下资金的流转。

[bigcake]

LOC除了25元的月费，还有其他费用么？

作者: mzuf

A TD Canada Trust Business Line of Credit2 can be a valuable tool to help finance your day-to-day operating costs and grow your business.

Available for amounts $10,000 and above.
Convenient access via cheque, cash advance, The Green Machine or any automated banking machine (ABM), Easyline Telephone Banking Service or EasyWeb Internet Banking Service.
Competitive floating interest rates based on TD Prime Rate.
Flexible Security options which include3:
NEW! Business Property secured
Home equity (full or partial security)
Liquid or margin (full or partial security)
Business asset secured
Unsecured option available
Attached to your Business Chequing Account to reduce your interest costs since you only borrow the amount needed.
Monthly statement provides consolidated credit and deposit account activity for ease of record-keeping.
A monthly fee of $25.
Personal guarantee(s) required.
Set Up and Review Fees may apply
。

[bigcake]

The Toronto-Dominion(TD) Bank has a card that can give businesses a line of credit with a visa card convenience.
you have no annual, monthly, set-up or application fees.


Applying is easy and once it is done you are approved primarily of personal creditworthiness.

You can have a credit limit as high as $50,000 and your credit is controlled solely by you; how much, how often and for whatever your need.

Your interest is charged daily on the amount of each charge to the account from and including the transaction date; remember there are NO interest grace periods.

Your interest rate is based on TD Prime. A variable interest rate can be one of the following: TD Prime + 2%, TD Prime + 4%, TD Prime + 6%, TD Prime + 8% and TD Prime + 10%. The fixed percentage that is added to the TD Prime is assigned by TD and reassigned annually based on an assessment of the Business Borrower and Individual Borrower(s) credit record in their absolute discretion.

For small business owners out there, this is a great credit card that TD offers. I might not have my own small business but I understand that expenses can come out of nowhere; the TD Venture Line of Credit Visa Card can help with such events.

[大粒丸子]

一张CIBC VISA Dividend Platinum。凡是接受信用卡的全部用信用卡付帐。pre-authorized utility companies, gas, skor and other supermarket purchases。这样一个月下来所有这些账单在我的银行账户上就变成一个transaction了(on credit card payment due date)。我可以选择从银行账户上付款，或者付现金到信用卡帐上。此外，这些消费等于过了至少一个月才付钱，比line of credit划算多了。这张信用卡的年费是79。但是我可以得到1.5%的现金回扣，每年750元。AMEX给1.5%回扣，每年1000元。COSTCO金卡每年回扣2%，得500元。

手头的现金把好的20元挑出来放ATM机里，等于免费存现金。剩下破损的20元，以及其他面值的纸票用来平时付小额账单。大额账单写支票。

我选的银行每月68元的，管100笔transactions。这100笔中，debit terminal和 ATM机器每天各一次batch close一个月就是60了，剩下的写十几张支票。差不多一个月就这样。

我的debit收顾客2毛手续费，一年下来有2000块。ATM机器的收入上万。相比之下银行这点月费就是一个peanut。

[mzuf]

作者: 大粒丸子

一张CIBC VISA Dividend Platinum。凡是接受信用卡的全部用信用卡付帐。pre-authorized utility companies, gas, skor and other supermarket purchases。这样一个月下来所有这些账单在我的银行账户上就变成一个t...

听说debit terminal和 ATM机器每天各一次batch close跟TD的账户连接，这一个月60次的TRANSACTION就完全不算.

[大粒丸子]

作者: mzuf

听说debit terminal和 ATM机器每天各一次batch close跟TD的账户连接，这一个月60次的TRANSACTION就完全不算.

really! 这些要是都不算，那我用最小的package就够了。最小的35元月费管25笔。我用CIBC。

[CITIZEN123]

作者: 大粒丸子

really! 这些要是都不算，那我用最小的package就够了。最小的35元月费管25笔。我用CIBC。

CIBC的不知道

[bigcake]

作者: CITIZEN123

CIBC的不知道

TD要用TD的刷卡机才不算，其他公司的刷卡机要算的

[mzuf]

作者: bigcake

TD要用TD的刷卡机才不算，其他公司的刷卡机要算的

咨询一下DIRECT CASH的王先生416-407-5278

[ATMgoodwin]

作者: bigcake

TD要用TD的刷卡机才不算，其他公司的刷卡机要算的

TD有POS刷卡机，每天结算可以不算交易，但是TD刷卡机的rate相对来说又不太好（俗话叫背着抱着一样）；TD没有ATM，所以ATM每天的settlement是肯定要算的，有些ATM公司可以帮助用户减少交易次数，例如按周按月的settlement，这个其实跟银行商业账户无关，我使用的是BMO，选了个plan，压了1w多资金，每个月的费用是零。

[JoeL]

作者: ATMgoodwin

TD有POS刷卡机，每天结算可以不算交易，但是TD刷卡机的rate相对来说又不太好（俗话叫背着抱着一样）；TD没有ATM，所以ATM每天的settlement是肯定要算的，有些ATM公司可以帮助用户减少交易次数，例如按周按月的settlement，这个其实跟银行商业账户无关，我使用的是BMO，选了个...

"压了1w多资金"，换“每个月的费用是零”？代价是不是太高了点儿，还是有其他好处？

[sunny12345]

作者: bigcake

TD 的LOC可以申请多少？

这个。。。因人而异吧