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Access to Basic Banking Regulations Disclosure Statement


(January 2nd,2018)

 

Subject to the Bank Act under subsection 448.1(1) and the Access to Basic Banking Services Regulations, the Bank of China (Canada) (the “Bank” and “BOCC”) shall require you to present two pieces of your IDs if you request to open a retail deposit account. The ID presentation should meet one of the following requirements:

ID Requirements to Open a Retail Deposit Account:

  • any combination of two pieces of identifications in List A or List B below, with at least one of them from among those listed under List A of the table, OR
  • you can present one piece of identification under List A below, only if your identity can be confirmed by the Bank’s client in good standing or by an individual of good standing in the community where the Bank is located

List A

1. Canadian driver’s license as permitted to be used for identification purposes under provincial law;

2. A Certificate of Canadian Citizenship or a Certification of Naturalization (in the form of a paper document or card but not a commemorative issue);

3. A Canadian passport;

4. A Permanent Resident Card or Citizenship and Immigration Canada Form IMM 1000 or IMM 1442 or IMM 5292;

5. A Social Insurance Number (SIN) card issued by the Government of Canada;

6. A birth certificate issued in Canada;

7. Old Age Security card issued by the Government of Canada with the bearer’s Social Insurance Number  on the card;

8. A Certificate of Indian Status issued by the Government of Canada;

9. A provincial or territorial health insurance card, as permitted to be used for identification purposes under provincial or territorial law;

10. A document or card, bearing the individual’s photograph and signature, issued by any of the following authorities or their successors:

  •  Insurance Corporation of British Columbia
  •  Alberta Registries
  •  Saskatchewan Government Insurance
  •  Department of Service Nova Scotia and Municipal Relations
  •  Department of Transportation and Public Works of the Province of Prince Edward Island
  •  Service New Brunswick
  •  Department of Government Services and Lands of the Province of Newfoundland and Labrador Department of Transportation of the Northwest Territories
  •  Department of Community Government and Transportation of the Territory of Nunavut

List B

1. An employee identity card, issued by an employer that is well known in the community, bearing the individual’s photograph;

2. A bank or automated banking machine or client card, issued by a member of the Canadian Payments Association in the name of, or bearing the name of, the individual and bearing the individual’s signature;

3. A credit card, issued by a member of the Canadian Payments Association in the name of, or bearing the name of, the individual and bearing the individual's signature;

4. A Canadian National Institute for the Blind (CNIB) client card bearing the individual's photograph and signature;

5. A foreign passport

Refusal to Open a Retail Deposit Account:

The Bank may refuse to open the retail deposit account under the following circumstances:

1. If the Bank has reasonable grounds to believe that the Account will be used for illegal or fraudulent purposes;

2. If the individual has a history of illegal or fraudulent activity in relation to other banks or financial service providers, and if the most recent engagement with this type of activity occurred less than seven years before the retail deposit account opening request is made;

3. If the Bank has reasonable grounds to believe that the individual opening the account knowingly made a material misrepresentation in the information provided to the Bank

4. If the Bank has reasonable grounds to believe that it is necessary to refuse to open the retail deposit account to protect the Bank’s customers  or employees from physical harm, harassment or other possible abuse

5. If the individual refuses to follow the ID requirements set above.

Written Notice of Refusal

If the individual does not meet the conditions set out in the ID requirements above or if the Bank has reasonable grounds to believe that the individual’s provided information corresponds with one of the cases under “Refusal to Open a Retail Deposit Account”, the Bank may refuse to open the retail deposit account. To notify the Bank’s refusal, the Bank shall provide the following in writing,

  •  Notice of its refusal to open the account; and
  •  A copy of this disclosure statement which includes the contact information of the Agency

Contact Information

If you have any concerns about the Bank`s Access to Basic Banking Regulations or wish to make a complaint, feel free to contact directly the offices of the Financial Consumer Agency of Canada (“FCAC”) by telephone at 1-866-461-3222, by e-mail at info@fcac-acfc.gc.ca, or by visiting the FCAC website at http://www.fcac-acfc.gc.ca

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