Discussion Groups / English Usage / September 2008

Your English is good enough to make yourself clear. I don't believe
that any bank, despite the mess banks have got themselves into on both
sides of the pond, gives a damn whether you bank with it or some other
bank.  Maybe if you're a multimillionaire it might be different.

English is not the currency that banks communicate in.

I don't think you can do better with TD than you already have, so maybe
just walking away (closing your savings account and taking your money
with you) is the best thing.

On the other hand, at some point, if you open a business account,
especially with a line of credit, you might be able to negotiate special
terms.  Especially if they can see that you are going to be borrowing
and paying off over a long period.  Of course, starting out with a good
credit record helps a bit.  But, really, to make money, you have to have
it.

And that means "real money"--lots of the green stuff.  The people who
get the best terms are those who don't really _need_  money.

You English sounds EXCELLENT to this native speaker.  Well ... maybe you
have an accent.  But your written English is EXCELLENT.

Bob

I had a very bad experience with Socita Bank (Canadian), and in the
end I ended up closing it. I was even more offend by the fact that
neither the teller nor manager asked me why I wanted to close my
accounts. I'll never ever do any banking with Scotia Bank.

Right now, I have a saving account with TD bank, and I was thinking
about opening a checking account. It turns out they charge money for
checking account. I told them other banks offer no fees checking
accounts; I was told that they are not willing to offer me a better
do, or even similar. Anyway, I opened two accouts with PC President's
Choicel – saving, and checking. They offered me 3.75% interest, and
plus no checking fees etc.

I read somewhere that bank are willing to negotiate with customers –
at least those who would move their business to another bank. I would
like to know how does that work. Right now I don't see any reason for
me to do any business with TD, unless I get a better deal.

PS: The reason I am posting my "non English related query" here is due
to the fact my English is very bad.

I'm a little worried about your having closed the bank.  You probably
meant that you had closed your account.

As for the swapped pairs of letters in the bank's name, that is easy
to do, I think.  Just a few days ago I found that I had typed "user"
where I meant "sure", so it looks like we have the same problem in our
typing.  Wouldn't it be nice if your fingers would type what you tell
them to?

Whoever told you that your English is bad is mistaken.  I think it is
better than that of a large majority of the native speakers of
English.

Bill

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Reverse parts of the user name and ISP name for my e-address

In the US, the appropriate expression is "Negotiate with your feet".
Walk out of that bank and walk into a bank with a better deal.

Again, in the US, we have Credit Unions that offer checking accounts.
Credit Unions don't charge for checking accounts.  Dunno if they are
found in Canada.