When it comes to fiat banking, I love my President's Choice bank account. http://www.pcfinancial.ca/
President's Choice banking has "no fees". If you live in Canada, you'd be fooling yourself to use any other bank. There is no actual "banks" as in "brick-and-mortar" physical locations, but just a kiosk in Superstore, the biggest Canadian chain market. They do not need to have a staff of tons of people or the overhead of a whole bank so they pass on the savings.
Plus they use CIBC as their banking system so you can withdrawal for free at any CIBC.