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（http://www.thestar.com/business/ ... -for-new-immigrants）
BMO offers program for new immigrants
Bank of Montreal’s Newcomers to Canada products meant to ease financial adjustment Published On Tue May 18 2010
Madhavi Acharya-Tom Yew Business Reporter
The Bank of Montreal is launching a suite of banking products specifically geared to landed immigrants that tries to ease their financial adjustment to Canada.
The Newcomers to Canada program includes free banking for the first year, a free small safety deposit box for one year, and a bonus rate on Guaranteed Investment Certificates.
The program, launched Wednesday, is available to all landed immigrants who have been in Canada for up to three years.
“We’re trying to say, ‘This is the foundation of what you need when you arrive,’” said Su McVey, the bank’s vice-president of customer communications and marketing. “The package and the service are meant to help people quickly get acclimatized with the fundamentals.”
On the investment side, BMO will offer a 0.5 per cent interest rate bonus on GIC’s ranging from one to five years. The offer is good until Sept. 1, 2010.
A BMO Mastercard is also part of the newcomer package. Immigrants are often stymied by a lack of Canadian credit history when they first arrive.
“We know the importance of a credit card to someone who has just arrived,” said Srini Iyengar, a director of multicultural markets at BMO. “We make sure we have credit policies that address the newcomer and help them to get the card.”
For instance, the bank may give more weight to net worth or past employment rather than relying solely on current employment, Iyengar said.
Bank staff typically field a range of inquiries from newcomers, Iyengar said, ranging from how to apply for health cards and social insurance numbers to the quality of neighbours and schools.
BMO has made it a priority to offer service in multiple languages at its branches. “Our managers have to go above and beyond the regular financial duties and that builds loyalty and good will,” Iyengar said. “We make sure that we have staff with the proper skills and we keep them up to date.”
BMO is the only Canadian bank with branches in Beijing, Shanghai, Guangzhou and Hong Kong.
According to Citizenship and Immigration Canada, there were nearly 250,000 immigrants to Canada in 2008. In Toronto and Vancouver alone, there were approximately 87,000 and 37,500 immigrants, respectively
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