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!