Exactly. I've been with Royal Bank for almost 20 years. I have multiple credit cards, RRSP, TFSA, 2 mortgages and I still pay the fees with well over $5000+ in the acct. They only credit a portion of th efees.
I moved one of my mortgages to TD, along with my primary chequing account. When my 2nd mortgage comes up for renewal, I'll be leaving RBC altogether.