A Money Coach in Canada

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There are so many ways to “go green” that also benefit your wallet.

I’ve said it before, I’ll say it again:   If you’re canadian and comfortable with online banking, and you want  an alternative to the Big Banks, www.citizensbank.ca is for you.   Here’s why:

  • Carbon Neutral (for real.  When I worked there, there were many incentives for staff to commute to work, and we were nearly paperless among other things)
  • Free chequing, high interest savings
  • Owned by a co-op.  You get to nominate and vote on who (which NGOs) get the profits
  • If you get a visa with them, fees are the same as the others, points are comparable, and every time you use it, the bank donates 10¢ to Amnesty/Oxfam
  • And I used to work there!  And can testify that the vast majority of the time you will receive service that beats the pants of other banks (possibly excepted by TD, which I hear also gives great service most of the time)

About the Author

Imagine if Canadians were known for being all over their money. Engaged. Proactive. Getting out of debt. Savvy. Saving. Generous. Nancy wants to help. Nancy started her own journey with money over 15 years ago, and formed her company “Your Money by Design” in 2004 to help others along the same path. It’s not the usual financial advising/investment stuff. It’s about taking control of day-to-day finances –managing monthly cashflow effectively, spending appropriately, getting out of debt, saving. If you're ready to take control over your finances, pop by her business site, YourMoneybyDesign.com


  1. brad

    I know I’ve said it before, but I REALLY wish this bank was available to residents of Québec! The new global chequing account sounds perfect to me as I travel frequently to the US (and to Europe every other year), and the ability to withdraw from any ATM without fees would be so nice. It’s almost enough to make me want to move to another province 😉 We don’t have anything like that available here from any bank or credit union.


    Apr 23, 2009
  2. Oh wow! I have everything with TD and I’m happy with them, but I will definitely check these guys out. The main standalone selling point is the profits going to NGO. That’s huge.

    I pestered via email TD to sign in with bullfrogpower and they did – their ATMS are now bullfrogpowered, but I don’t think that they switched because of me 🙂 no such illusions of grandeur.

    ioana’s last blog post.._this_ is how you tell me you love me??


    Apr 23, 2009
  3. brad

    @ioana: FYI, switching ATMs to renewables doesn’t actually do much in terms of CO2 emissions in some provinces. In Alberta it makes a big difference. But in Québec, where nearly all electricity is produced by hydropower, it would be pointless. It’s funny, I was reading all the Earth Day exhortations in our local Metro newspaper yesterday and I’d say about half of them don’t actually do anything to reduce greenhouse gas emissions (although they can help you reduce your electric bill). In Québec if we want to reduce greenhouse gas emissions we pretty much have to focus on transportation and waste. Most people here heat their homes with electricity, so even adding insulation or energy-efficient windows doesn’t reduce your carbon footprint. Not that those things aren’t a good idea in their own right and have other benefits, it’s just that they don’t have much impact on reducing climate change.


    Apr 23, 2009

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