Add other one to the PC Financial crowd. We switched from the TD years ago, and have never regretted the decision. They provide free checking, withdrawls from any CIBC, free, web or phone banking, fee replacement card, etc. Plus every time I have had to phone them they have actually been polite and courteous. I have a couple savings accounts with them as well, one that rivals the INGDirect's saving account in interest (4.somthing I believe). Also have a PLC that I've used on occasion that is very simple and competative.
Last year the mortgage was up for renewal and PC Financial won that business too by beating anyone else on terms and rates.
The only negative is that I can't walk in and get a money order or certified cheque same day, but with a tiny bit of planning, that isn't an issue as you can pick it up next day (or thereabouts) at any CIBC of your choosing.
Complaining about bank fees makes me laugh. There are choices, you just have to investigate them.
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