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