the reason i moved to pc financial was to avoid bank fees. as it is, pc financial gives me free debit card access and free checks. i don't care about the other things, but if they start charging me a monthly fee then i'm moving to a credit union.

i don't currently have teller access, and it can be a little annoying sometimes. if i can get teller access, it's a benefit - but it's not worth paying a monthly fee for.

http://www.cbc.ca/news/business/cibc-president-s-choice-simplii-financial-1.4250110