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Before you go: booking a visit
Many people book an appointment before they visit. You can often do this by phone, online, or by walking in and asking. An appointment can mean less waiting and more time to ask questions. When you book, it is a good idea to ask what documents you should bring. Banks may ask for different things, so it is better to check first. Write the answer down. If you don't understand, ask them to repeat it slowly. This is normal, and staff hear this question every day.
Hi, I'd like to book an appointment to open a bank account.
I'm new to Canada. What documents should I bring?
Sorry, could you say that again a little more slowly?
Arriving at the bank
When you arrive, someone may greet you at the door or at a front desk. Tell them your name and why you are there. If you have an appointment, say so. You may wait a few minutes before a staff member calls you. They usually take you to a desk or a small office. They will often start with some friendly small talk, like asking how your day is going. A short, polite answer is fine. Then they will ask what you need today.
Hi, I have an appointment at ten. My name is Ana.
I'm here to open a new account.
I'm doing well, thank you. How are you?
Talking about account types
Staff will usually explain the different kinds of accounts. A chequing account is often used for everyday spending and getting paid. A savings account is usually for keeping money aside. They may also talk about newcomer packages or cards. They will talk about monthly fees and features. Don't feel pressure to decide quickly. It is okay to ask questions, ask for written information, or say you want to think about it. Only choose what feels right for you.
What is the difference between these two accounts?
Are there any monthly fees with this account?
Can I take some information home to read first?
Sharing your information
The staff member will usually ask to see your documents and ask some questions. They may ask for your address, phone number, and email. They might also ask about your job or why you are opening the account. This is a normal part of the process. If you don't have an address yet, or you don't understand a question, just tell them honestly. They can usually explain what you can do. Never share your passwords or PIN out loud.
I just moved here, and I'm still looking for a permanent address.
Could you explain what this question means?
Is it okay if I use a temporary address for now?
Finishing up and next steps
At the end, the staff member may give you a debit card and help you set a PIN. They may also show you how to use online banking or the bank's app. Before you leave, check that you understand the next steps. Ask who you can contact if you have a problem later. Many people find it helpful to write a few notes. Thank the staff member. You did it, and it's a big step in your new life.
Can you show me how to log in to the app?
Who should I contact if I have a problem with my card?
Thank you so much for your help today.
Common questions
What if I don't understand the staff member?
That's completely okay. You can say, “Sorry, could you say that more slowly?” or “Could you explain that in a simpler way?” Bank staff often help newcomers. You can also ask them to write important words down for you.
Do I have to decide on everything in one visit?
No. You can ask for information and come back later. A useful line is, “I'd like to think about it first.” Take the time you need to feel comfortable with your choice.
Can I bring someone with me?
Many people bring a friend or family member for support. It's a good idea to ask the bank first when you book. Even with help, try to speak for yourself when you can. It builds your confidence.