I'm with TD and doubt I'll ever leave. I have one of their old accounts that you can no longer get. As long as I maintain $1000 balance I will not get dinged with any service fees (other than withdrawals at other bank machines).
I've been with CIBC for 30+ years and have an old account with no service fees as long as I have $1500 in the account. I'm proud to say I've never paid fees as I don't even consider that money as part of my budget.
TD - I am a very old former Canada Trust member. My account has my mom as a joint holder - we set this up in case something ever happened to me so the money could be accessed. Also, because she's over 60, we get the Plan 60 rate (no fees!)
PC Financial. They are fine, until you need to take a large sum of cash out of your account. Unfortunately, you can't take it out over the counter at a CIBC branch. Instead, you will have to speak to them on the phone, after which they will temporarily increase your withdrawal limit, so you can take the money from the ATM in multiple transactions.
I moved from the UK where I never paid a penny to use a bank - on principle, I refuse to pay a bank to use my money to make money, but require me to pay money to do so. Yes, I know there are many counter arguments to this statement, but I'm sticking to my guns here!
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