I have been discharged from bankruptcy for one year now, and I feel it is time to start working on repairing my credit. 

I did get a secured CC from both HT & PTand have been paying it off every month. Now I need to find a bank I could start banking with by opening savings, TFSA & RRSP accounts; therefore, I am here to ask for recommendations on banks that would be most willing to work with a past bankrupt on my way to improving my credit score.

I do know that not many will be excited to have me as a client, but I am sure there are banks who have worked with people who were past bankrupt and offered them small secure RRSP loans and eventually a small unsecured loan.

I am currently with Scotiabank, but I heard that they are the worst when it comes to past bankrupts - apparently I will stay on their black list even after 7years. 

I would love to hear your positive experiences about Bankes you have banked with. 

In my opinion this is what I would do:

If you want to start to rebuild credit you can go with : capital one secure master card or home trust. Both can be found on Canadian sites, meaning         " ca " extension.

If you just want something that doesn't report but its really good prepaid card than I personally use bank of Montreal mastercard, it's just 9.99  for 3 years and has almost no fees. Check their website, and compare with others but they are in my opinion the best.

Hope that helps

Interesting comment RBC refusing to do business with past bankrupts even after 7 years.....; as far as I know, NONE of my past creditors were connected with RBC, so I don't think that's the reason they refused me.  But the disturbing thing is that my small pension cheque, for about $6,500.00 has been sent to their bank where my account has been since I declared bankruptcy end of 2008.   I was going to purchase RRSP's from them and put a bit into my personal chequing/savings, but now I am wondering...if RBC is so strict about helping anyone climb back from bankruptcy, is it a mistake for me to buy my RRSP's and deposit anything with them? Should I just keep my Standard Life pension cheque and try to buy RRSP's from a place that will help me somewhat?

To date, the refund from Standard Life is lost somewhere in the postal system.  I got a copy saying it was mailed to RBC (and address was correct) shortly after it was cut on the 4th of this month.  I received MY copy of the letter stating this almost two weeks ago now.  To date the bank has not received it.     Should I just tell RBC to give me the funds and then take the money to a bank that will eventually help me out?    I had credit cards with several banks that were wiped out with the bankruptcy, so am limited in choices.  I thought, wrongly, that RCB would help.  Who do you suggest I invest my RRSP money with?   I have decided I have no choice but to buy a low limit prepaid visa from Money Mart, as I need funds soon to cover costs on a trip to the East Coast to see ill relative.  But will apply with Cap. One on return.  Meanwhile, does anyone have suggestions about what to do with my pension refund in the meantime? (provided it arrives SOON    I hate to give any more funds to a bank that, it appears, will never help me get my post-bankruptcy life back on track .   I am already turning 60! Or can anyone suggest a better use for my refund that will not negatively affect my taxes next year?  Please Help!!