Some banks issue a standard reference letter that doesn't include the average balance IRCC expects, which can worry applicants relying on it for proof of funds.
What group members advised:- Ask the bank to reissue the letter to match IRCC's requirements. Some banks default to a generic template; explain the purpose is an immigration application and show them the IRCC instructions so they include all account types with individual balances on signed letterhead — a stamp alone may not be enough.
- Submit 6-month statements for every account you're relying on, at every bank. If your proof of funds is spread across more than one bank (e.g. two different institutions), include the chequing, savings, and credit statements from both, not just the account with the largest balance.
The core idea: the letter and statements together need to clearly validate the funds you're declaring, so don't rely on a bank's default format if it's missing details IRCC asks for.