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Thread: Safety Deposit Boxes

  1. #1

    Safety Deposit Boxes

    I received a letter from my banking institution about changes to my safety deposit box agreement. Starting March 2nd cash will not be allowed to be held in a safety deposit box. I only keep a small amount in there just in case we have a financial crisis like Greece had I'm wondering why this is being put in place, is it a government mandate or a change to banking regulations? It also states they can open your box without your knowledge for various reasons. This is bullshit in my eyes. A lot of people keep money in a box just in case shit happens. This is just another way for the government to control it's citizens. I encourage all of you have a box to read the agreement carefully or upcoming changes to it. I also went to my branch and they confirmed the changes.

  2. #2
    Which bank?

  3. #3
    I got it from TD too, but cash rules was same before. I didn't know they can open your box without your knowledge. Yeah, that's can be happen in any country, where you can vote with pencil only. It's a shame!
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  4. #4
    Quote Originally Posted by Eagleeyes View Post
    Which bank?
    TD bank

  5. #5
    Quote Originally Posted by IRIS View Post
    I got it from TD too, but cash rules was same before. I didn't know they can open your box without your knowledge. Yeah, that's can be happen in any country, where you can vote with pencil only. It's a shame!
    I didn't know They can open your box without your knowledge, never heard of that. No cash I think is for all banks..

  6. #6
    Quote Originally Posted by Gooseifur View Post
    TD bank
    I have a box for over 10 years with TD and never received a notice of no cash. WTF, the gov must think we're all a bunch crooks or what. Yet the biggest crooks include insurance companies and banks.

  7. #7
    I doubt they can open the box without your knowledge. If you lost your keys ,you have to pay to have a locksmith drill it out. I have a box at TD and haven't received the notice.

  8. #8
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    With a court order it can be opened.
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  9. #9
    Quote Originally Posted by Eagleeyes View Post
    I doubt they can open the box without your knowledge. If you lost your keys ,you have to pay to have a locksmith drill it out. I have a box at TD and haven't received the notice.
    I've had one for years at TD and wanted to close it. They give you two keys and because I lost ONE of the keys, they said it would be a $200 dollar charge. I said forget it because it's cheaper to just keep the box.

  10. #10
    Quote Originally Posted by IRIS View Post
    I got it from TD too, but cash rules was same before. I didn't know they can open your box without your knowledge. Yeah, that's can be happen in any country, where you can vote with pencil only. It's a shame!
    Sorry if I'm hijacking this thread but you can use a pen to vote. Pencils are provided in the voting area because they are more reliable (less ways to fail) and probably because they're cheaper to purchase in bulk. Also, not many people steal pencils. A friend of mine worked the past Federal Election as a polling clerk in an area with a large Russian-Canadian population. He said few asked for a pen because they said their marks would be erased when they voted in Russia. They were given a pen.

  11. #11
    Quote Originally Posted by IRIS View Post
    I got it from TD too, but cash rules was same before. I didn't know they can open your box without your knowledge. Yeah, that's can be happen in any country, where you can vote with pencil only. It's a shame!
    In Canada you can mark your ballot with pen, pencil Sharpie™, or any other writing implement that does not make it possible to identify you. But that has noting to do with any contract you have with your bank for the use of one of their safety-deposit boxes.

    It is indeed a shame you didn't know that about voting. Hope it didn't stop you last week.

    What progress?

  12. #12
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    Probably tied to criminal/money laundering efforts
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  13. #13
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    They can't open the box. They need your key. If you lose the key, they have to get a lock smith.

    So it is not like they can just randomly open your box.

    I have had them for years with TD. Mine is free with my account package. I keep 5K in mine. Never had an issue. I know they say not too. It is for security reasons I am sure but I don't really care. I have money stashed in tons of places. One just can't be too careful.
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  14. #14
    Quote Originally Posted by Jessica Rain View Post
    They can't open the box. They need your key. If you lose the key, they have to get a lock smith.

    So it is not like they can just randomly open your box.

    I have had them for years with TD. Mine is free with my account package. I keep 5K in mine. Never had an issue. I know they say not too. It is for security reasons I am sure but I don't really care. I have money stashed in tons of places. One just can't be too careful.
    They can drill it open for various reasons, if they think you are laundering money, if they think you have cash from criminal activity or if revenue Canada asks them too because you owe tax. If you read the agreement all they have to say is they think something that's not on the up and up is going on. They can do whatever they want.

  15. #15
    Read the fine print on your agrreement when you opened up your account. During the Banking crisis of 2008-2009. The Harper Government went along with the Bank of International Settlements and the IMF and World Bank. Our Banks were given 125 billion dollars of taxpayer money to keep the monetary system afloat. My brother works for an arm of the Federal Gov't. Their fully funded pension that was in the black was absconded by the Federal Government and given to the Banks. Then they changed the contract Law i.e: your contract with the Bank. You are now considered a minority share holder of the Bank. Below the Banks derivative book. So any assets held within the Bank at the time of the next Bank run. Will be used to keep the Bank afloat. This was written into Law back in 2012.

    Here are some rough numbers to ponder.

    We have 82 Trillion in world GDP.

    We have 282 Trillion in Debt.

    We have 1.5 Quadrillion in derivatives tied to that debt.

    The Banks are and have been insolvent for sometime. This is why the Fed and the EU are prining more money. The derivative complex is blowing up behind the scenes as we speak. The money being printed is going into the stock market to keep Governments Central Banks afloat. They need to create propped up assets with computer generated money to keep the Governments and their associated Banks afloat.

    When this blows you will not be given access to your safety deposit box. Why ? You didn't read the fine print. That's why they put it in the fine print. so nobody will read it. You do not own the cash in the Bank nor do you have any claim to your safety deposit box assets.

  16. #16
    Fabulously Full Figured Jessica Rain's Avatar
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    Quote Originally Posted by Gooseifur View Post
    They can drill it open for various reasons, if they think you are laundering money, if they think you have cash from criminal activity or if revenue Canada asks them too because you owe tax. If you read the agreement all they have to say is they think something that's not on the up and up is going on. They can do whatever they want.
    That is not what was being presented though. What was being said is that they can just open it randomly at any time and check as in they have key and you would never know if they check. At least that is the context I read it in.

    In the cases you are talking about, the person would clearly know.
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  17. #17
    Can’t believe anyone keeps anything valuable at a bank thinking it’s safe!

  18. #18
    Quote Originally Posted by peteeey View Post
    Sorry if I'm hijacking this thread but you can use a pen to vote. Pencils are provided in the voting area because they are more reliable (less ways to fail) and probably because they're cheaper to purchase in bulk. Also, not many people steal pencils. A friend of mine worked the past Federal Election as a polling clerk in an area with a large Russian-Canadian population. He said few asked for a pen because they said their marks would be erased when they voted in Russia. They were given a pen.
    Yes, you guys right. I checked and I can vote with pen if I bring one.
    But liberals won, so I can blame them about this law . If the other party won I'll blame them.
    Oldjones without arguing with you I think there is connection.
    What I wanted to say, if a bank could check my personal safety deposit box without my knowledge ( and that's law is impossible without government permission) they could change my vote, what I did with pencil, without my knowledge. They don't need my agreement, right?
    It would be great if I have a choice there. But just pencil was available. In bulk, disposable pens are less than 5 cents. If every 4th. Canadian stole 1 ( what can't be true except if all of us are politicians ) maybe 4 million will disappear. It cost 120K for Canada. What is nothing against that amount what they spend for the rally or just in the banquet night after the election. I don't trust any politician, they are the biggest crocks on the planet, and many people in the same shoes. Why I have to trust them with a pencil vote, what is the most easiest to forge? It's not right! Just for my two cents!
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  19. #19
    Quote Originally Posted by MissCroft View Post
    I've had one for years at TD and wanted to close it. They give you two keys and because I lost ONE of the keys, they said it would be a $200 dollar charge. I said forget it because it's cheaper to just keep the box.
    I lost one of my 2 keys. When I went to close my SDB they told me it there would be a $200 charge to drill the lock. I went to a locksmith and had one made for $50.

  20. #20
    Get yourself a fireproof mini safe and hide it somewhere in your own home.

  21. #21
    what if you forget where you put the key or the combo lock number?

  22. #22
    Good to know you can get a locksmith to make a duplicate key for $50

  23. #23
    Quote Originally Posted by Jessica Rain View Post
    That is not what was being presented though. What was being said is that they can just open it randomly at any time and check as in they have key and you would never know if they check. At least that is the context I read it in.

    In the cases you are talking about, the person would clearly know.
    Not really all they have to do is "Suspect" you. For example someone who deals in large amounts of cash might not be doing anything wrong but is targerted.

  24. #24
    Fabulously Full Figured Jessica Rain's Avatar
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    Quote Originally Posted by Gooseifur View Post
    Not really all they have to do is "Suspect" you. For example someone who deals in large amounts of cash might not be doing anything wrong but is targerted.
    Ok. I'm not making myself clear.

    The context of the first comment about it was that they can just check. Like they have a copy of your key, can go in a look and close up the box like nothing ever happened and you would never know. This is what I was disputing.

    They can check but you know. It is not hidden from you. They have to basically break into your box to find what is inside. That was my point.

    Hope that clears it up.
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