If you don't want to pay any service fees and you use your debit card often then I would suggest going to PC Financial. Also, the rate on the savings account is 4% on any balance over $1000 which is alright. And PC is joined with CIBC so you can take out money from either a PC machine or CIBC one.
However, the downfall with PC is that they don't have any branches. All they have are those little kiosks that are in the Superstores. Sometimes it can take forever to talk to someone especially because most of the time there is only 1 or 2 people working. For telephone service, they're alright, sometimes the wait can be long but I haven't had any major problems with it.
I've had my with PC for about 7 years and I haven't really run into any major problems with them. If you like to mainly just use online banking or telephone banking then I would say PC is the way to go. But if you like to do your banking within the branch, I would say that Scotiabank or TD would be a good choice.
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