I do roughly the same thing. My regular bank changed the fee structure on me, somehow I missed the notice about it, and I got dinged with some account fees. S

I do roughly the same thing. My regular bank changed the fee structure on me, somehow I missed the notice about it, and I got dinged with some account fees. So I switched ALL of my day-to-day spending to a credit card with a competing bank. So instead of 40-ish Interac transactions per month for my day-to-day stuff, they get one bill payment transaction. My interest payments are zero, since the bill gets paid off, plus I get the cashback bonus right around Christmas time.