Think of joining your local credit union. Most big banks cater to businesses so the small guys get trampled over.
I switched out of RBC cause I finally asked why I'm paying $4 to have access to my money.
After joining a big CU here, I've never been happier. I've paid not one cent since whereas I'd have accumulated a wack of fee's from my old bank.
The plus side too is most CU's are non-profit, and it's a nice feeling to know that any profits are distributed back to the community instead of some big bank execs who are already wealthy to begin with.
