[EXPIRED] 3.25% (for everybody) or 3.35% (for group benefits) for 6 months in new Advantage Accounts | Page 10 | Manulife Bank | Discussion forum

Another issue is that they made us open an account which we did not want to open, we asked them to close it a few days ago but it is still open, as of now. Another call, to follow up, but today they are experiencing higher than normal call volume.

Norman1 said

Doug said

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Edit: Further to the end of your post, I see what you're saying. It is available, but has that added verbiage. I would suggest trying to use it with Manulife, unstamped. No idea why'd TDCT would be like that and add that verbiage. Literally no one else does that! Or, just use that blank form I posted above.

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Depending on the biller or payer, the pre-filled direct deposit/PAD form could be used without a branch stamp.

TD Canada Trust added that wording specifically under a section "To set up a Direct Deposit with the federal government". Looks like they are trying save some onboarding hassles for account holders trying set up direct deposit of their pay.

Perhaps, Government of Canada payroll direct deposit requires an actual void cheque or branch-stamped form. Sending in an unstamped form would likely delay a pay deposit!  

Most employers do not care; some do not even need a form. Often you can add your banking information yourself and they believe you.

Government of Canada does need a stamped form, if using their Treasury Board Secretariat direct deposit form for myriad government payments. However, for Service Canada and CRA, you can just use your CRA account online and enter the information, which is very convenient.

TDCT may be trying to reduce the hassle and trying to prevent errors, too. A lot of people aren't as adept as you, I, and many of the members on this forum.

Cheers,
Doug

Norman1 said

Londonguy said

I'll try uploading the "pre-filled by TD" automatic download version PAD first, without the redundant teller stamp. IMO the pre-fill appears the more official of the two choices because there's nothing handwritten on it

The teller stamp is not redundant. The teller will stamp the form only after confirming the information on the form. The transit, institution, and account numbers. Also, the name of the account holder.

Confirming the name of the account holder is important. Some people have tried to link their employer's bank account or their ex-spouse's chequing account by using the transit, institution, and account numbers off a paycheque or a support cheque and saying the account is theirs.   

That's true, although the incidence of that happening is still very, very low.

Nevertheless, there are other ways they could verify this, like having you e-mail a PDF e-Statement from your bank.

They could also use a third-party account verification service like Flinks, FinSnap, SecureKey, and the like.

Cheers,
Doug

Nehpets said
Customer service by telephone at Manulife appearing to deteriorate as their promotion continues.

It's becoming virtually impossible to reach as CSR by telephone now, even at 8:00 am when they first open. The recording announces "higher than normal call volumes" with no option to leave a message.

This has gone on for several days now.

Additionally, there seem to be issues with authentication to open an account, issues with their mobile apps, and differing answers and instructions from different CSR's.

Customer service at Manulife is reminiscent of the deplorable customer service of Rogers..but I digress.

Stephen  

Yeah, they're probably not staffed for the promotion. I suspect it'll die down soon.

For what it's worth, Tangerine always takes minimum 10-15 minutes to reach someone.

And, for really bad customer service call answering standards, look no further than Service Canada's Employment Insurance department. 😉

Cheers,
Doug

Norman1 said

Londonguy said

I'll try uploading the "pre-filled by TD" automatic download version PAD first, without the redundant teller stamp. IMO the pre-fill appears the more official of the two choices because there's nothing handwritten on it

The teller stamp is not redundant. The teller will stamp the form only after confirming the information on the form. The transit, institution, and account numbers. Also, the name of the account holder.

Confirming the name of the account holder is important. Some people have tried to link their employer's bank account or their ex-spouse's chequing account by using the transit, institution, and account numbers off a paycheque or a support cheque and saying the account is theirs.   

Fair comment. Odd that a cynic like myself didn't think of that LOL

dougjp said
Well our first hand experience points to the wheels having truly fallen off at this bank, despite what marketing sound-byte man might post here. This makes an interesting recording of facts, because it would be almost impossible to believe about a modern day Company without these details.

After over a month my wife's account remains un-activated (it exists, but that was only after 3 weeks) through no fault of hers/ours. The account exists and they cashed her $ 1- cheque 2 1/2 weeks ago. Over this period she has sent in whatever statement they specified four times in three different ways - mail, document link via the account twice, and a separate e-mail address which they provided on the phone. The first statement sent by mail was declined because it was a bank statement - we recall despite prodding for specifics on the phone about WHAT statement they want, eventually all we got was "something with your name and address on it". It wasted almost 2 weeks to find out the document was refused, and would have never found out had we not phoned.

All she gets is (a) e-mails saying a document is required (some of those e-mails AFTER the following), (b) e-mail acknowledging receipt and promise to respond in X days, that time frame since expired ('natch), (c) the e-mail today saying here is your statement, see how you did! ...which of course when she goes to her inactivated account, there is no statement, (d) multiple e-mails to do a survey about her experience with them.

Probably in total we have spent more than 2 to 3 hours wasted on the phone combining the multiple times, and the people who we talk to clearly know nothing and are totally divorced from the most basic information they have, so they just "wing it" until you give up and hang up.

Think I'm making that up....well no, a good example is being told to send in a document because they haven't received anything. Even though it was sent, AND at the same time as that phone conversation in the account it lists the document date that it WAS sent via link, showing in the account, several days prior to being told on the phone they haven't received anything.

The automated system seems to work OK (with the above noted exceptions), IMHO, just avoid people to retain your sanity.   

Hi dougjp. We can completely understand how frustrating this must be for you and your wife. You probably already know this but in case it wasn't clear, the original electronic document must be provided to you directly by the issuer. It can be an email attachment or a file you downloaded directly from the issuer's website, but it can't be a paper document that you've scanned or photocopied.

Yes....Good...sign up in a minute....then wait and wait and wait....21 days now for some response other than the default "thanks for submitting your application"

For HISA's....I have accounts with Tangerine and EQ...both with relatively large sums of money and have never had issues with either.

dougjp said

It was never clarified and there has been no way of knowing anything, as nothing has been so specified. Ever. You must not work at this bank.

At this stage, one out of four documents sent in has been refused, with no explanation anything like what you describe. No, the reason for refusal after waiting two weeks without any response - we had to phone, again, was that she sent in a bank statement for the same account that the cheque mailed in with it was written on! Can't be the same! Shame on us for not knowing the changeable rules.... So she doesn't pay utility bills, I do.

Luckily she does pay one bill, a cel phone, or the attack on her would be complete and the account declined totally without any way of even getting the $ 1- back that the bank cashed weeks ago. This has been sent in 3 times, two different ways via e-mail. I have NO idea how one would attach an original electronic document unless its a utility bill where someone was hooked up to receive bills only by e-mail, not paper? You make no sense.

We have yet to hear back anything on the other 3 despite what I said before, and it appears we have no alternative but to wait until that happens.  

Again, we're so sorry for the misunderstanding. Your wife should be able to ask her cell phone provider to send her a bill as an email attachment or you may be able to download it directly from the provider's website (depending on which provider it is).

Londonguy said

..I'll try uploading the "pre-filled by TD" automatic download version PAD first, without the redundant teller stamp...

Just for the record, submitting the unstamped PAD worked for me