This report presents an analysis of a survey of financial service choice of residents of low-income inner-cities in Toronto, Winnipeg and Vancouver. The survey was administered in 2006-07 with 83 residents and asked them quantitative and qualitative questions about their financial service options and choices. It is an effort to examine and extend analysis of financial service choice in Winnipeg’s inner-city (Buckland et al. 2003). The general hypothesis is that residents make rational decisions about their financial services in the face of limited options.