A non-profit site educating Canadians and Americans
about the differences between human-beings,
natural-persons and artificial-persons
man & woman,
created by God.
How the Government created your new identity and
how you can reclaim your unalienable rights.
created by Man.

For the text of this web-site is with the absence of the legal-advice.
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Bank Act:

The Bank Act (see Links to view entire Act) re-defines person to mean both natural and artificial as follows:
"person" « personne »
"person" means a natural person, an entity or a personal representative;
"entity" « entité »
"entity" means a body corporate, trust, partnership, fund, an unincorporated association or organization, Her Majesty in right of Canada or of a province, an agency of Her Majesty in either of such rights and the government of a foreign country or any political subdivision thereof and any agency thereof;
"personal representative" « représentant personnel »
"personal representative" means a person who stands in place of and represents another person and, without limiting the generality of the foregoing, includes, as the circumstances require, a trustee, an executor, an administrator, a committee, a guardian, a tutor, a curator, an assignee, a receiver, an agent or an attorney of any person;

From the above definitions, the Bank Act references both natural-persons and artificial-persons. This should allow a natural-person to open a bank account as such, but most banks do not know about or do not like to open bank accounts for natural-persons. Prior to April 30, 2003, the Bank Act provided for a "personal deposit account" in section 444. This was the natural-person bank account. Section 444 has now been repealed and replaced by sections beginning at 439.1 relating to a "personal deposit account". Also, in section 563 of the Bank Act, "personal deposit accounts" are available for FOREIGN BANKS in PART XII of the Act.

On the subject of money, it is worthwhile visiting the Reality Zone to learn about the Creature from Jeckyl Island (the Federal Reserve System) and how money is created out of nothing.

Now, the USA has managed to spread their "tax grab" to offshore accounts, as described in this article.

The Canadian Action Party has produced an excellent comic that discusses Where Does Money Come From. Visit the Canadian Action Party Web Site for more details.

In the old days, prior to about 1969, Canadian "money" (Bank of Canada Notes) used to have the words "will pay to the bearer on demand" followed by an amount of dollars. At that time, these Bank of Canada notes may have been considered "Promissory Notes" under the Bills of Exchange Act because they mostly satisfied the requirements of a Promissory Note (unconditional promise to pay to bearer), except the note is not "made by one person to another person". An extract for the definition of Promissory Note from the Bills of Exchange Act is as follows:

"176. (1) A promissory note is an unconditional promise in writing made by one person to another person, signed by the maker, engaging to pay, on demand or at a fixed or determinable future time, a sum certain in money to, or to the order of, a specified person or to bearer."
After that time (1969), the words "will pay to the bearer on demand" were removed and replaced with the words "this note is legal tender". See the Bank of Canada web-site. At this point, the notes immediately ceased to be "Promissory Notes" and it is not know what they are except "fiat" (fake) notes that have no value at all. They are, in-effect, non-reedemable instruments because they cannot be redeemed for gold, according to the Bank of Canada web-site.

It also appears that Canadian "money" is not a Bill of Exchange because they are not addressed "by one person to another", therefore the use of the colloquial expression "dollar bill" is also incorrect. A Bill of Exchange is defined as follows (from the Bills of Exchange Act):
"16. (1) A bill of exchange is an unconditional order in writing, addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay, on demand or at a fixed or determinable future time, a sum certain in money to or to the order of a specified person or to bearer.."

In addition, the notes we call "money" actually belong to the Bank of Canada and if anybody defaces the "money", such action will be subject to penalty.

Here is simple explanation of The Money Myth.

In case you thought the banks were following the law, read this.

Here is a follow-up of the People vs the Banks, Part 2.

Now it has become obvious that the Meltdown of the World Financial Systems has begun.

Here are some excellent links to Hon. Paul Hellyer's work on the "Canadian Bank Reformers", and is worth investigating:





"Whereas it is essential, if man is not to be compelled to have recourse, as a last resort, to rebellion against tyranny and oppression, that human rights should be protected by the rule of law,"
(Preamble - Universal Declaration of Human Rights)