Please recommend a new daily banking account/institution
I know the RFD folks are pretty savvy gravitating towards the banks (either physical brick and mortar or virtual) to get the best bang for their money.... ie: no banking/transaction fees, etc. CIBC is brutal for monthly fees on the chequing account.
We rarely (if ever) go into the bank, maybe just to take cash out at an ATM for buying something on Kijiji. But we definitely need some kind of access to getting hard cash every now and then. Debit cards are used in the rare chance one of our credit cards aren't accepted somewhere, and we'd definitely need access to an e-transfer payment service. This would be a shared chequing account between my wife and I where our bi-weekly pays are automatically deposited by our employers.
We may be interested in using a savings account as well, if the interest rates are any good... we typically never bothered with savings accounts and kept all of our non-invested money in our chequing account.
So, RFD, please bless me with your knowledge/recommendation... what banks are great these days, especially for a new client? Tangerine? PC Financial? Others?
Thanks for your help!