3. You MUST open a chequing account for daily use (with a debit card). Usually, it could be a joint-signature account (you and your wife/husband can use the same account).
4. You may consult the bank representative for other choice. I choosed to open a Mutual Fund account. I don't think saving account is neccesary. Other choice includes GIC.
4. You may consult the bank representative for other choice. I choosed to open a Mutual Fund account. I don't think saving account is neccesary. Other choice includes GIC.