[Quiet Man Cometh]

Oh fun with banks. I've only stuck with the one so far where I've had an account since I was 12. Canada I think has a different system than the USA, but the gov't is starting to crack down on charges, especially when using third party machines, which I avoid as much as I can. I had a college account that was free, but I'm not in school anymore so I have a regular one, but I get my fees rebated at the end of the month because I have several accounts at the same bank. It really helps to make an appointment with a banker and go over the options you might have. There can be useful stuff a teller might not know or bother to mention.