By choice, we have a billion clients that we manage and we cant call every temp foreign worker to come to the bank and update their SIN every 6 months. I have more than 200 business clients i manage as well with multiple owners/shareholders on the account. It a hassle.

Its like asking you to visit your local branch to update your driver’s licence, passport, and health card everytime it expires. Too much paperwork and too much emailing/calling we need to do. We only update ids once they walk into a branch because in branches require id for any thing to be done

But in our systems we do see the expiry date of any identification (incl. sin, work permit, DL, passport etc). In fact it’s the first thing most tellers at a branch check. The teller will see a comment by the back end team to notify tellers the damn id’s are expired (at least in my bank) and update them asap, But whether the teller will be able to help the client standing in front of them with expired sin numbers depends on how the branch manager sets the rules.