So I have worked for a few different banks and there is plenty of good information on this page. As most have said, for basic banking almost all offer the same. There are always ways for discounted or free accounts. Minimum balances are the main way that banks will "waive" account fees. I've always had it that I want a phone number to be able to talk to someone in a branch near me when I need it and not a call centre (cough...RBC...cough).
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