PC Financial, after 4 years
My experience:
Pros:
-no monthly fees
-high interest
-free cheques
-CIBC ATMs
-online banking
-PC points are easy to redeem (if you like groceries)
Cons:
-huge NSF charge (not your fault if someone double charges you, but still, maybe I should set up an overdraft)
-new fees coming ($7.5 to deposit/write USD cheques makes it not worthwhile)
-slow service (longer hold times than before, cheques take [...]