MG, I take your point about taxable income (more like $11 net but close enough). I'm happy to keep my $5000 tied up with TDCT because of the features they offer beyond free chequing.

That said, the 4% from PC on the Hippo account is tempting, as is ING's 4.25% until Aug 31. The other day Scotiabank emailed me about a 4.85% 2yr GIC (pretty good for a bank considering TDWaterhouse and BMO InvestorLine are only offering 4.9% on 2yr). I guess interest rates must be expected to keep going up!

=aw