vania-janet/multiturn-rag-retrieval-data huggingface dataset:
If you can make the trip to BC yourself, I'd recommend opening an account with TD Canada Trust.  They allow non-citizens to make accounts — apparently the only Canadian bank to do so.  The customer service is great and they have a good online banking site that will allow you to manage it from the US. If you have an account with TD Bank in the US, it's also very easy to set up a TD Canada account through them that will be linked on their online site (though you will still have separate logins for both and manage them separately).  I've done the reverse as a Canadian living in the US.  You can set it up over the phone; their Cross-Border Banking number is listed here.  They also offer better currency conversion rates than their standard ones when you do a cross-border transfer. You could also look into HSBC as well.  They operate in Washington as well as across the border in BC.  If you can't open a CAD account locally, they can help you open and manage one in Canada from the US.  It may or may not require having a small business account instead of a personal account.
I have a Albertan corporation and my accountant set up my shares and options for free.   1. Get a NUANS repot.  2. Go to a registry office and get the incorporation paperwork 3. Get an accountant to help you fill out that paperwork for free (they assume you will do your accounting with them after the fact) 4. Go back to a registry office and register the corporation  5. Go have a beer you'  re new company   6. go get a bank account.  7. Get to work
You would need to setup a company (even if it's just a sole proprietorship, in the US) to be able to apply for a true merchant account.  And thus have a terminal; either real or virtual in your home or business. However, many services such as paypal allow you to accept credit cards (both online and with a card reader) and when the customer is billed it appears as paypal + your account name.  So you essentially have the benefits of a merchant account, without having to set one up.
If you use a credit union, I look for the co-op network credit union ATMs.   Wide network of fee-free ATMs: http://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 You'll have to check with your bank or credit union to see what networks they belong to and if it isn't satisfactory to you, find a new bank or credit union.
Each country will have different rules. I can only speak about the Netherlands.  There, there are two options as a resident to open an account.  You needed a BSN (Dutch ID number) or a strong reference from an international company sponsoring your residence there at a bank branch that dealt frequently with foreign customers.  It was not possible to open an account as a nonresident although high wealth customers probably get special treatment. Recent US reporting requirements have made European banks very unwilling to deal with US people. I have received a letter from my Dutch bank saying they will continue my current products but not offer me anything new. If I call the bank, the normal staff cannot see anything about my accounts. I need to call a special international department even for mundane questions.
See if the bank has other credit cards they offer. Many banks have multiple ones: some cards have great benefits, others do not; some cards have high rates, some do not; some cards are secured, some do not.  If they have a card that you like ask them to switch you to the card you want. They should be able to do so very easily. Your card number will change, but they will treat it is a replacement so that your credit score will not take a hit during the switch. It may be possible to get them to waive the annual fee, but most won't because each card type they offer are separate products so they only allow you to pick one of their options. If they don't have a card to your liking apply for a card from anther bank that has the benefits and annual fees (zero) that you are looking for. It may be that the new card will start with a lower limit, but it will increase over time, especially as you shift more of your business to the new card. When you cancel the old card before the next year rolls around you will take a small short hit to your credit score, but that is ok.
Goddady.com will gladly accept payment from your personal account. They don't really care, as long as you approve the charge, whose name the account is in. I'm not sure PayPal even check the names on the invoice and the account to match, they just want you to login. However, depending on your local laws, you may be required to have a separate business account. In the US, for example, corporations must have their own accounts. For other entities with limited liability (like LLC or LLP) it is advised to have a separate account to avoid piercing corporate veil. Also, if your business name is not your personal name - clients may want to verify that the checks/transfers are deposited under your business name. In some countries checks written out to X cannot be endorsed by X to be transferred to Y. That may affect your decision as well. You'll have to get a proper legal advice valid in your jurisdiction to know the answer to your question.
Sure.  Here it is in its deadly simplicity:  Bank of Too Big  123 Fake St  City State Zip   Date   To whom it may concern:  Please let this letter serve as formal instruction for Bank of Too Big to close the following accounts held under my name, [your name],  [your social security number], listed below  Checking: 00000000  Savings    00000000  Please remit the remaining balances in the form of an official check made payable to me and mail that check for deposit to my account at:  Your Awesome New Bank  c/o the new manager  Address  Thank you for your prompt attention to this matter.  If you wish to reach me, you may do so at [telephone number] *pro tip: they **never** call you.*  Sincerely,   Newly empowered consumer, you.     **Here are the important parts:**  1. You HAVE to get this notarized.  It will not work otherwise.  But guess where there are always notaries - banks - especially your new one.  2. Make sure all your automatic payments and things attached to that old account have been switched or cancelled first.  3. Don't leave too much money in there or there is a slim chance they might call you, and you'll have to deal with that nonsense.  Just leave a nominal amount like $10 and they'll just do it to get it over with.  4. Keep a copy.  Just in case.   I have been using this letter for my entire career in banking (a little over 10 years) and it has worked EVERY SINGLE TIME.   Enjoy!
Royal Bank in Canada can open an account for you in the US through RBC (the US affiliate to Royal Bank of Canada)  I think it's called RBC Access USA.
Short answer, you can't.  Don't link your primary checking account to PayPal.  Open a separate bank account like ING Direct and keep very little balance.  I wrote about this a while back in my blog.
Open an account for yourself at this credit union: https://www.alliantcreditunion.org/ Very easy to qualify and they have free service to send money directly to your dad's bank account overnight.
"Some benefits of having a business checking account (versus a personal checking account) are: The first 3 should be pretty easy to determine if they are important to you. #4 is a little more abstract, though I see you have an LLC taxed as a sole proprietorship, and so I'm guessing protecting your personal assets may have been one of the driving reasons you formed the LLC in the first place. If so, ""following through"" with the business account is advised."
There is no bank that I know of offering such a feature and I'm not sure what the point of it would be (other than to annoy their customers). If you've been subjected to a fraudulent check your best bet is to either choose to write checks only to trusted parties and/or use your banks BillPay service (they usually issue checks on another account while transferring the money from your account). The drawbacks of your current plan, bounced legitimate checks and high maintenance nature, outweigh the potential benefits of catching a fraudulent check since you're not legally obligated to pay checks you haven't written.
"I think the answer depends very much on where you are. I believe the other answer covers north america. On contrast, in (continental) Europe, giving the account and bank number (IBAN and BIC) is a (the most) common way to enable someone to send money to you. E.g. in Germany, you need much more than account number and bank number to withdraw money: To ""push"" money to another account (wire transfer from your account to someone who gave you the other account + bank numbers), you either have to hand-sign a certain form, or (online) certain credentials (e.g. login & password / PIN + TAN) are needed. I.e. for defrauding you, the other would need to get your online credentials (for mTAN also your mobile phone, for chipTAN a TAN generator of your bank [easy] and your bank card, for (i)TAN your TAN list) or fake your signature. There are also ways to allow someone to pull money from your account, see e.g. direct debit For that you sign that the other side is allowed to withdraw specified amounts of money (at specified dates). This is either between you and the other (i.e. your bank cannot check and doesn't reject withdrawals that are not authorized). However, the other side needs to have signed a contract with their bank that they'll only try to withdraw money they're entitled to. or you sign such a thing with your bank (then they do know whether the other side is allowed to withdraw money, and you can tell the bank that you won't accept any further withdrawals from XYZ). In the first case, the withdrawal technically still needs your approval. In order not to create a huge risk of fraud, the rejecting here is really easy: If you tell your bank that you reject the payment, The practical rule is that the payment is approved if you didn't reject within the first 6 weeks after the bank sent the account statement. In other words, until 4 1/2 months after the withdrawal (in case you have a bank that does only quarterly account statements), the one to get the money cannot be really sure that he actually has the money.
"If you have at least $25,000, Wells Fargo is the place to be, as you get 100 free trades per account. I have three investment accounts with them and get 100 free trades in each a year, though I only ever actually use 10-20. i can't vouch for their phone service as I've never needed it, but free is very hard to beat in the ""value for money"" department. Update: Apparently in some states the requirement is $50,000. However, they count 10% of your mortgage as well as all deposit and investment accounts toward that balance."
Most US banks don't allow you the ability to draft a foreign currency check from USD. Though, I know Canadian banks are more workable. For instance, TD allows you to do this from CAD to many other currencies for a small fee. I believe even as a US Citizen you can quite easily open a TD Trust account and you'd be good to go. Also, at one time Zions bank was one of the few which lets US customers do this add-hoc. And there is a fee associated. Even as a business, you can't usually do this without jumping thru hoops and proving your business dealings in foreign countries. Most businesses who do this often will opt to using a payment processor service from a 3rd party which cuts checks in foreign currencies at a monthly and per check base. Your other option, which may be more feasible if you're planning on doing this often, would be to open a British bank account. But this can be difficult if not impossible due to the strict money laundering anti-fraud regulations. Many banks simply won't do it. But, you might try a few of the newer British banks like Tesco, Virgin and Metro.
I don't still have an account there, but ING Direct used to do that for you. They would set it so money would be freed up every 6 months but after a while you would have like 5-year ones to maximize returns.
"This seems almost overkill, but if you want to... I suppose one thing you could do is create a separate money in transit account, similar to Account Payable and Account Receivable. In your bookkeeping, transfer the money from the source account to the holding account on the date that the source bank withdraws it, and then transfer the money to the destination account on the date that the target bank deposits it. This both makes it clear that there is money going between places, and ensures that the daily balance on each ""physical"" account is accurate. For cash withdrawals and deposits, I'd just use the date when you make the withdrawal, since that is the day from which the money is available in the new location rather than the old one. Note: I don't know if this is the ""proper"" way to do it in a random jurisdiction, but I doubt being this explicit can get you into trouble."
"The type of savings account your are referring to is an ""Instant Access"" account which offers little or no interest in savings. To solve your problem I would suggest opening a higher interest Current Account, there are several on the market which offer equivalent rates of interest as an Instant Access account but still allow access via a debit card. Usually there are requirements for a regular salary transfer into the account or a minimum balance to qualify for interest. Banks that are well know for offering high interest Current Accounts include Nationwide, Santander, TSB and most of the build societies."
"There is no free lunch. ""Free"" can cost you a small fortune over time.  If you wish to sit through a free pitch you may as well go to a time share seminar. Just keep your hands in your pocket and don't sign anything.  In the end, you will be best served spending the time it will take to learn to manage your own money. Short term, spend a few hundred dollars and find a fee only planner who will give you general advice.  My disdain for the ""bank guy"" goes back to an overheard conversation. An older woman, in her 70s was asking about investing in T-bills vs the bank CD. T-bills were a bit higher yield at the time. The banker stated that the CD was FDIC insured,but T-bills were not. This was decades ago, but I remember it as if it were yesterday."
"you could get a discover card and then just ""freeze"" it.  you might need to unfreeze it for a few minutes when you sign up for a new service, but it is unlikely an ongoing subscription would process a charge in that window. i believe merchants are charged a small fee for a transaction even if it is declined, so they won't try constantly forever. discover account freeze faq capitalone offers this freeze feature on their ""360"" debit cards. you can even freeze and unfreeze your card from their mobile app. this feature is becoming more common at small banks and credit unions too. i know of 2 small local banks that offer it. in fact, almost any bank can give you a debit card, then set the daily POS limit to 0$, effectively making it an atm-only card. but you may need to call the bank to get that limit temporarily lifted whenever you want to sign up for a new service. alternatively, jejorda2's suggestion of virtual account numbers is a good idea. several banks (including discover) have discontinued that feature, but i believe citi, and boa still offer them. side notes:"
"How can I use a house I own free and clear to purchase another home? Answer: walk in to any bank, that's any bank, or any lending institution. State that you own a house free and clear. This will happen: In all jurisdictions, it's incredibly easy to borrow large amounts of money at the lowest possible rate, once you own a house outright. On top of that, you want to spend the money on another house (as opposed to s sports car or the like), so you have even more equity.  Winner! Your main question will be this.  Say your current house (owned outright!) is worth $500,000.  Go to a bank or lender, and say to them, ""How much money will you give me to buy house B putting both the houses on the mortgage.""  One bank will say ""fantastic!  buy any house you want up to $400,000!""  Another will say ""$450,000!"" another will say ""$300,000!""  In a hot market another will say ""$650,000!"".  So shop around and see who will give you the most."
Business is likewise crucial to have a corporation identification variety which could be essential for doing business inside the US primarily based businesses and it is crucial to have an agency so that the commercial enterprise can able to run very easily. With Free company formation, people can capable of starting their business very easily and they could capable of delivering all of the services in order that the business can capable of run a protracted. Forming a enterprise, in particular, include all of the conventional form that's fully separate and the from the ownership which in particular did now not have any necessary factor.
A couple of things you can do to structure your accounts include:
"They don't actually need to. They accept deposits for historical reasons and because they make money doing so, but there's nothing key to their business that requires them to do so. Here's a decent summary, but I'll explain in great detail below. By making loans, banks create money. This is what we mean when we say the monetary supply is endogenous. (At least if you believe Sir Mervyn King, who used to run England's central bank...) The only real checks on this are regulatory--capitalization requirements and reserve requirements, which impose a sort of tax on a bank's circulating loans. I'll get into that later. Let's start with Why should you believe that story--that loans create deposits? It seems like a bizarre assertion. But it actually matches how banks behave in practice. If you go borrow money from a bank, the loan officer will do many things. She'll want to look at your credit history. She'll want to look at your income and assets. She'll want to look at what kind of collateral or guarantees you're providing that the loan will be repaid. What she will not do is call down to the vaults and make sure that there's enough bills stacked up for them to lend out. Loans are judged based on a profitability function determined by the interest rate and the loan risk. If those add up to ""profitable"", the bank makes the loan. So the limiting factor on the loans a bank makes are the available creditworthy borrowers--not the bank's stock of cash. Further, the story makes sense because loans are how banks make money. If a bank that was short of money suddenly stopped making loans, it'd be screwed: no new loans = no way to make money to pay back depositors and also keep the lights on = no more bank. And the story is believable because of the way banks make so little effort to solicit commercial deposit business. Oh sure, they used to give you a free toaster if you opened an account; but now it's really quite challenging to find a no-fee checking account that doesn't impose a super-high deposit limit.
One possibility that I use: I set up an LLC and get paid through that entity. Then I set up a payroll service through Bank of America and set up direct deposit so that it is free.  I pay myself at 70% of my hourly rate based on the number of hours I work, and the payroll service does all the calculations for me and sets up the payments to the IRS.  Typically money is left over in my business account. When tax time rolls around, I have a W2 from my LLC and a 1099 from the company I work for. I put the W2 into my personal income, and for the business  I enter the revenue on the 1099 and the payroll expenses from paying myself; the left over in the business account is taxed as ordinary income. Maybe it's overkill, but setting up the LLC makes it possible to (a) set up a solo 401(k) and put up to $51k away tax-free, and (b) I can write off business expenses more easily.
Some credit unions also offer them and support Business banking as well. First Tech Credit Union is a great example. They also have the most security-oriented banking website I've seen to date. https://www.firsttechfed.com/ As a side note I've found that Credit Unions are a MUCH better deal for personal and business banking.
Yes it is (legal). There is of course no law requiring any business you walk in to break your money. What made you think there would be? Being a bank in the US (and in other countries) has some legal consequences, but none of them relates to 'having to do business with anyone that walks in', neither 'having to break bills for people' (not even for established customers). Yes, it was historically commonplace for most banks to do all money-breaking for free, but that does not establish any obligation to do it. Maybe the FED is required to do that, but that won't help you if you don't live near either.
"What is a good bank to use for storing my pay? Preferrably one that has free student accounts. Can I save money from my paychecks directly to a Canadian bank Otherwise, can I connect my bank account to my Canadian account online? Any (almost...) bank in the US has free college checking accounts. If the bank you entered doesn't - exit, and step into the one next door which most likely will. The big names - Wells Fargo, Bank Of America, Chase, Bank of the West, Union Bank, Citi etc - all have it. Also, check your local credit union. Do I need any ID to open a bank account? I have Canadian citizenship and a J-1 visa Bring your passport and a student card/driving license (usually 2 ID's required). What form of money should I take with me? Cash? Should I apply for a debit card? Can I use my Canadian credit card for purchasing anything in the states? (Canadian dollar is stronger than US dollar currently, so this could be to my advantage?) There's some fuss going on about debit cards right now. Some big banks (Bank of America, notably) decided to charge fees for using it. Check it, most of the banks are not charging fees, and as far as I know none of the credit unions are charging. So same thing - if they charge fees for debit card - step out and move on to the next one down the street. Using debit card is pretty convenient, cash is useful for small amount and in places that don't accept cards. If you're asking about how to move money from Canada - check with your local (Canadian) bank about the conversion rates and fees for transfers, check cashing, ATM, card swipes, etc - and see which one is best for you. When I moved large amounts of money across the border, I chose wire transfer because it was the cheapest, but for small amounts many times during the period of your stay it may be more expensive. You can definitely use your Canadian credit/debit card in the States, you'll be charged some fee by your credit card company, and of course the conversion rate.
"Nowadays, some banks in some countries offer things like temporary virtual cards for online payments. They are issued either free of charge or at a negligible charge, immediately, via bank's web interface (access to which might either be free or not, this varies). You get a separate account for the newly-issued ""card"" (the ""card"" being just a set of numbers), you transfer some money there (same web-interface), you use it to make payment(s), you leave $0 on that ""card"" and within a day or a month, it expires. Somewhat convenient and your possible loss is limited tightly. Check if your local banks offer this kind of service."
In addition to the other answers, Harris Bank (now owned by BMO) allows Canadians living in Canada to open accounts, perhaps they consider other countries as well.  They have excellent customer service.