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benjamin10

sending money

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Filed: IR-1/CR-1 Visa Country: Canada
Timeline

i was wondering the best way to send money between the us and Canada was. my husband is moving across the states so he needs to send me money for our son my bank doesn't do online currency exchange and they hold international checks for 15 business days

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i was wondering the best way to send money between the us and Canada was. my husband is moving across the states so he needs to send me money for our son my bank doesn't do online currency exchange and they hold international checks for 15 business days

I send regular AMEX travelers checks through the mail.

They are fully insured against loss for no extra fee.

I have never ever paid a fee to get them, the service

is free at my credit union.

None have ever been lost over a period of years.

I get them for free from my credit union and in addition

the exchange rate for them is HIGHER than for cash.

If your bank offers them and if you ask them if they are

good for international remittances, they will probably

say NO and suggest one of their higher-priced wire

services (my credit union did and I always ignored that).

When we travel together in Thailand I also bring travelers

checks and only use credit cards as a backup. I cash

a large enough amount upon arrival and my wife transfers

it to her Thai credit card account and we use that for all

purchases.

Naturally all financial institutions want to make the

maximum profit possible and are embarrassed by

lower/no cost alternatives that they are obliged to offer.

Edited by thongd4me

02/2003 - Met

08/24/09 I-129F; 09/02 NOA1; 10/14 NOA2; 11/24 interview; 11/30 K-1 VISA (92 d); 12/29 POE 12/31/09 Marriage

03/29/-04/06/10 - AOS sent/rcd; 04/13 NOA1; AOS 2 NBC

04/14 $1010 cashed; 04/19 NOA1

04/28 Biom.

06/16 EAD/AP

06/24 Infops; AP mail

06/28 EAD mail; travel 2 BKK; return 07/17

07/20/10 interview, 4d. b4 I-129F anniv. APPROVAL!*

08/02/10 GC

08/09/10 SSN

2012-05-16 Lifting Cond. - I-751 sent

2012-06-27 Biom,

2013-01-10 7 Mo, 2 Wks. & 5 days - 10 Yr. PR Card (no interview)

*2013-04-22 Apply for citizenship (if she desires at that time) 90 days prior to 3yr anniversary of P. Residence

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Filed: Timeline

Most Canadians use Custom House. But they are a pain to set up and I've had some recent bad experiences with them so I've moved on to other methods. Depending on where he is moving to there are Canadian banks in the US which provide cross-border banking. RBC is one of them, with TD soon to follow. TD in the US and TD Canada Trust allows for using their bank cards interchangeably. Meaning he can open a TD Bank account in the US and send you an access card. That way you can access the funds at the TD Canada Trust bank in Canada.

Moving from Off Topic to the Canada forum.


iagree.gif

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Filed: AOS (apr) Country: Philippines
Timeline

i don't have a bank card to his account so i don't think that works

get one or set up a new joint account... even paypal has a debit card


YMMV

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Filed: IR-1/CR-1 Visa Country: Canada
Timeline

I have used Custom house since 2005 and they have been great. yes it does take a bit to start it up as they have to verify accounts and ensue you say who you are---if u have a scanner to scan and email the req'd documents it does speed up the porocess. And they call you as well. So yes it does take some time, but once it is set up, your good to go. Western Union actually bought it out last yr and I think the exchange rates have actually decreased a bit, so maybe not as an attractive as it once was. Still handy. When I visit Canada, I send $$$ back to my CDn account, otherwise I leave it at almost a zero balance. One can prob use paypal as well. If your only sending small amounts, not a huge deal. But if ur sending thousands, you def want to check out all your options


Canadians Visiting the USA while undergoing the visa process, my free advice:

1) Always tell the TRUTH. never lie to the POE officer

2) Be confident in ur replies

3) keep ur response short and to the point, don't tell ur life story!!

4) look the POE officer in the eye when speaking to them. They are looking for people lieing and have been trained to find them!

5) Pack light! No job resumes with you

6) Bring ties to Canada (letter from employer when ur expected back at work, lease, etc etc)

7) Always be polite, being rude isn't going to get ya anywhere, and could make things worse!!

8) Have a plan in case u do get denied (be polite) It wont harm ur visa application if ur denied,that is if ur polite and didn't lie! Refer to #1

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Filed: K-1 Visa Country: Canada
Timeline

I have used both Western Union as well as gotten an extra ATM card and had my fiance use it in Canada....small fee each time to withdraw money on the card, but there isn't a hold on the money. Western Union has been good, but like a previous poster said, you're hit with a larger fee, the more money you transfer.

Hope that helps!

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Filed: AOS (pnd) Country: Canada
Timeline

RBC is in both countries, so it makes transferring funds very easy. I have both a Canadian and a US account, so it's worked very well. They don't have locations all over the States though.


K1 Timeline

I-129F Sent: 01-23-2010

Packet 3 Received: 06-15-2010

Packet 4 Received: 08-13-2010

Interview: 10-20-2010

POE: 10-29-2010

Wedding: 11-03-2010

AOS Timeline

Packet submitted (AOS, EAD, AP): 11-09-2010

Delivered : 11-10-2010

E-notifications received: 11-16-2010

AOS, EAD and AP touched: 11-19-2010

NOA1 received: 11-19-2010

AOS touched: 12-02-2010, transfered to CSC

AOS touched: 12-03-2010

Senator's aide gets involved: 12-08-2010

Received letter for biometrics: 12-14-2010

Biometrics: 12-15-2010 (walk-in)

EAD card production ordered: 12-15-2010

EAD and AP touched: 12-22-2010

Email to inform me that letters for EAD and AP approvals have been sent: 12-22-2010

EAD card received: 12-23-2010

AP letter received: 12-28-2010

Green card and welcome letter received: 03-23-2011

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Filed: K-1 Visa Country: Canada
Timeline

This is what I have also. Takes maybe a day or two for the transfer to clear.

RBC is in both countries, so it makes transferring funds very easy. I have both a Canadian and a US account, so it's worked very well. They don't have locations all over the States though.


K1 Visa

2011-02-03 - I-129F NOA1
2011-06-16 - I-129F RFE
2011-09-01 - I-129F NOA2
2011-11-23 - Interview Date
2011-12-05 - Visa Received
2011-12-18 - US Entry
2012-02-11 - Marriage

AOS

2012-02-23 - NOA1 date for I-485 Petition (AOS), I-765 Petition (EAD), & I-131 Petition (AP)
2012-03-22 - Hard copy of transfer to CSC
2012-03-24 - Hard copy of biometrics appointment
2012-04-17 - Biometrics appointment in Norfolk, VA
2012-04-26 - Received EAD/AP combo card via USPS
2012-09-08 - Received hard copy of RFE #1(missing medical information)
2012-10-20 - Hard copy of RFE #2(Requires another copy of hubby's divorce decree)
2012-11-10 - Email Card/ Document Production
2012-11-14 - Email registered permanent resident status
2012-11-16 - Email card mailed
2012-11-19 - Card Received... whoohooo!!

ROC

2014-08-14 - Mailed I-751 petition to VSC via priority mail

2014-08-16 - Delivered to VSC

2014-08-20 - Check cashed

2014-08-22 - Rcvd NOA1 dated 2014-08-18

2014-09-06 - Rcvd ASC Appointment Notice dated 2014-09-19 (Biometrics)

2014-09-19 - Biometrics apt @9am

2015-02-21 - Received RFE dated 2015-02-17 (more evidence over the 2 years)

2015-04-09 - RFE response mailed, took awhile we were in the process of moving

2015-04-24 - Card Production email and text received at 2pm

2015-04-30 - Card Mailed email and text received at 9:15am

2015-04-30 - Updated with tracking email and text received at 8:14pm

2015-05-02 - Card Received via priority mail, left in mailbox

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Filed: IR-1/CR-1 Visa Country: Canada
Timeline

Custom house (owned by Western Union) is FREE if you send it electronically! Of course its not really free, they make their money on the exchange rate, but it doesnt cost you anything and usually (at least at the times I checked) they offered a better exchange rate than the bank did!! But really only matters if ur exchanging a decent chunk of $$$. Personally I think its great. its FREE to set up, and if u need it, you have it as an option. They do offer a wire service as well that quick, but tht costs $$$$. Doing it EFT (free way) takes anywhere from 3-7 business days.


Canadians Visiting the USA while undergoing the visa process, my free advice:

1) Always tell the TRUTH. never lie to the POE officer

2) Be confident in ur replies

3) keep ur response short and to the point, don't tell ur life story!!

4) look the POE officer in the eye when speaking to them. They are looking for people lieing and have been trained to find them!

5) Pack light! No job resumes with you

6) Bring ties to Canada (letter from employer when ur expected back at work, lease, etc etc)

7) Always be polite, being rude isn't going to get ya anywhere, and could make things worse!!

8) Have a plan in case u do get denied (be polite) It wont harm ur visa application if ur denied,that is if ur polite and didn't lie! Refer to #1

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Filed: K-1 Visa Country: Canada
Timeline

I use CustomHouse.com as well. Set up isn't too much of a pain if you have a scanner, like others have mentioned. It's easy to use and usually takes 4-5 days for me to get my money.


Removing Conditions

Sent package to VSC - 8/12/11

NOA1 - 8/16/11

Biometrics - 9/14/11

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Filed: AOS (apr) Country: Canada
Timeline

You could also send money through PayPal although in my experience it's quite slow when dealing with money from the bank. Credit cards are faster with paypal but they charge a fee.

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