Banks and Banking Services

What are my rights?

You have the right to open a bank account, even if:

  • You don’t have a job.
  • You don’t have money to put in the account right away.
  • You have been bankrupt.

When can the bank refuse to give me an account?

A bank can legally refuse to open an account for you if:

  • You cannot show the right identification.
  • The bank thinks you will use the account to break the law.
  • You committed a crime against a bank in the past 7 years.
  • The bank thinks you gave false information when applying for the account.
  • The bank thinks that opening the account might bring harm to its customers or staff.
  • You do not agree to let the bank do a check on you about the things above.

What if I have an account and the bank makes a mistake on it?

If you have a complaint about how the bank has handled transactions on your account, take these steps to resolve your complaint:

  1. Speak to a customer service representative at your branch.
  2. Write a letter to the branch or area manager.
  3. Write a letter to the bank’s internal Ombudsmen.
  4. Call the Ombudsman for Banking Services and Investments (OBSI), toll-free at 1-888-451-4519.
November 11, 2014
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