ING Direct is a financial organization with the best rates in the financial market. They have an offer that expires on December 31, 2012. When you open a checking account with a minimun of $100 , you will get $50 additional in your new account and get a reference number. You can use this reference number 40018520S1 to open your account. When you get your reference number and share it with your family members or friends to open a new account, you will get an additional $50. ING Direct is located at : 600 6th Avenue SW Calgary, Alberta T2P 0S5 24/7 Customer Service - 1-800-464-3473 http://www.ingdirect.ca/en/ Good luck