Non-Registered GICs

s a financial professional, you know that while investing in stocks and mutual funds has great potential, there is also additional risk associated with investments that are prone to market fluctuations. GICs, on the other hand, are a more stable and guaranteed investment vehicle and that’s why they’re considered part of a well-balanced portfolio.

B2B Trust offers a full suite of non-registered GIC products. To assess what’s best for your clients, we encourage you to take a few minutes to review the following information.


Company & products	B2B Trust: GIC, Cashable GIC, ActionGIC (when available) Laurentian Bank, LBC Trust, Laurentian Trust: GIC, Multi-Rater GIC, ActionGIC (when available)
Accounts	Individual, Tenants in Common, Joint, Joint Tenants with Right of Survivorship, Corporate/Non-Corporate Business Entities
Terms & amounts	Short-term deposits: 30 to 89 days, minimum amount: $25,000 90 to 364 days, minimum amount: $5,000 Long-term deposits: 1 to 5 years, minimum amount: $1,000¹ (Note: with the exception of our Cashable GIC, terms are non-redeemable)
Interest payments	Interest may be paid annually, semi-annually, quarterly or monthly; compounded or paid annually until maturity (simple interest only for terms less than 2 years)
Rate guarantees	For funds sent by mail: the rate in effect when your client signs their GIC application will be guaranteed if the application and funds are received by B2B Trust within 5 business days For funds deposited directly: the teller stamp date will determine the interest rate and date of sale
Method of payment	Interest payments can be deposited electronically into your client’s Canadian bank account or they can be forwarded directly to you or your client.

Have you heard about our line of Advisor’s Choice products? Your GIC clients may also be interested in a High Interest Account or a line of credit.

¹ A minimum of $10,000 is required for monthly interest payments.

At Your Fingertips:

Getting Started: Deposits
Forms: Forms
Rates: GIC Rates
Fees: Deposit Fees
Samples applications: Sample Non-Registed GIC Application
Admin Tips: Admin Tips – Non-Registered GICs
Others: GIC Deposits FAQ CDIC Information