Yes, I did use a very narrow criteria for this analysis. The point was to see if anybody (other than TD) offered no-fee unlimited banking in a one stop shop in both Canada and the U.S. using only the minimum balance float.
I do not bank with TD, but after looking at the other offerings they do appear to be the only Canadian bank to offer a zero-fee approach (other than the float). Even U.S. banks like Chase don't offer to rebate the ATM operator surcharge of non-Chase ATMs for their checking account customers, unless one is in the Chase Private Client (semi-private banking) area, which requires a minimum of US$250k. So even though I don't bank with TD, they have a convenient one stop approach to no-fee banking.
I use the RBC tunnel to move funds to the USA instantly (I agree it is the best north/south transfer of any bank) and then use ACH to move the funds to my Total Checking account at Chase. The Chase account has unlimited debits at no fee (US$1,500 float). I am pretty much cashless when in Florida these days - I buy all my day to day things with the Chase debit card (5 debits a day or so) and use their free checks to pay by mail the odd bill I can't pay online. RBC USA does have an unlimited debit account (making the Chase account unnecessary) but they charge US$99.95 a year to have it, and I would rather tie up US$1,500 in float and pay no fees, hence my Chase account.
The idea of a one stop shop with free unlimited everything in both counties does appeal to me, so I just wanted to do the analysis to see who offered it.