也说说Virtual Banking

精打细算

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Traditional banking was impacted greatly by the commercialization of the Internet in the early 1990s. As the Internet became more generally accessible, traditional banks began to realize its potential to deliver services to their customers while reducing long-term operational costs. Upon realizing this, traditional banks began to offer limited services online.
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The initial success of internet banking services provided by traditional banks led to the development of internet-only banks or "virtual banks". These banks were designed without a traditional banking infrastructure, a cost-saving feature that allowed many of them to offer savings accounts with higher interest rates and loans with lower interest rates than most traditional banks.


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% U8 [& i, @3 T( l2 ?8 b2 g其实自己也是Manulife Bank 的销售经纪，可帮客户开无收费、高利息存款户口。但不经常蓄意推广。
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说说Manulife bank 等virtual bank 如 President Choice, ING Direct 等银行
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& a3 p2 w1 D9 W- g8 |由于没有开分行的实际成本，Manulife Bank 的产品可以在任何RBC银行操作而省下的钱却作为利息返回给客户。
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- ]7 s6 M$ X) }2 N" C1 RManulife bank 的资料 http://www1.manulifebank.ca/en/MLBHome.html

; O2 R: Y2 Z( l% {5 \5 v3 d试问目前有哪几家银行可以做到
. w" ?- W' h9 Y& o' b-  永久无月费的支票帐户？
-  每个月没有最低存款额却还有利息进帐？
, Z/ O( J5 t6 ]-  活期支票户口目前（2010年1月27日12点）可以返回给客户 年率1%的利息？
-  有什么银行可以透过经纪人差不多24小时上门为客户开户？
8 J$ f. T% s3 F, n- R& I-  可以开无月费美元帐户，TFSA,RRSP等

当然每家银行都有经营成本。只是这家银行完全把成本降到最低返回给客户而已。羊毛出在羊身上的道理， 要看银行豪华装修，笑脸迎人的柜台服务与保安， 高昂的租金， 如果没有收费，如何支持下去呢？