I use PC too...They don't do so well with some things, like bank drafts, particularly in USD. You have go through a CIBC branch, both banks charge a free (even

I use PC too...They don't do so well with some things, like bank drafts, particularly in USD. You have go through a CIBC branch, both banks charge a free (even though PC is run by CIBC), and you have to deal with 2 bureaucracies. I admit, compared to other Canadian banks, PC is not bad. In the US though, you don't have to choose between branches and no fees.... Also, it's worth keeping in mind that if you keep a balance (to avoid fees) you are still paying a fee. One part is loss due to inflation (any interest rate below inflation is a negative return), and the other is opportunity cost....