Need Banking Advice
Some details of what we have with RBC:
I like having multiple e-savings type accounts, to help manage my budgeting/money. I have a few with ING that I use for less commonly accessed accounts, but have a need for at least one that would have instant transfers to a chequing type account.
I have a low interest credit card, currently carrying a balance of around 50-75% of the max. My wife has a credit card on a promotional rate, carrying around the same balance. (Unforeseen medical situation left my wife off work for 2+ months, and she does not get paid time off. EI payments are coming in so this will decrease, but she will be unfortunately off work again for another 6-8 weeks later this year.)
With RBC, I have a Student Line of Credit I am paying down, and a Car Loan.
I don't carry huge balances in my savings accounts. I'm at a stage in my life where I am trying to get some student debt, and stupidly accrued debt from my college years, paid off. I make a fair bit of money (120k+ household gross), and once this debt is paid off will be investing more. (edited to add this)
So what I need:
Chequing Account for the odd time a place won't take MC, for payroll deposits, etc.
E-Accounts, the more (for free) the better (although as mentioned, i can do most of it with ING, but need at least one associated with the Chequing account.
Two Credit Cards (me, and my wife)
If possible, I'd like to move my SLoC and Car Loan, too, depending on what the rates would be.
Also, I pay my rent by Cheque, so I would need free cheques. (edit was to add this line)
I'm also an avid online banker, so a good, easy to use interface is a must.
I'm open to any and all suggestions, even if its multiple banks for the services.