[Julio]

I'm no luddite by any means, but I've never been a fan of debit cards. One of my pet peeves actually is people who use debit cards for a $5 purchase. Either use credit cards for large purchases where I can get something for my purchase, and I don't have to pay for a few weeks, or use cash, seeing as how everybody takes it, the system for receiving it doesn't break down, and there is no service charges for taking it.

And as for PCF...bah...worst of a bad lot. Only reason I'd even look @ them is for what rewards they give, and it's not worth the hassle or bad customer service (doesn't CIBC actually run PCF? I know I moved accounts from there years ago to TD)