[DKnoll]

> many banks in Canada are now fully virtual or offer next to no fees.

Uhh, which ones? Free chequing accounts have transaction fees for Interac, and with unlimited Interac accounts you pay monthly or must keep a minimum balance. I'm sure there are a couple exceptions, but certainly not with TD, CIBC, NBC, etc.

[run4yourlives2]

Check out credit unions. I'm with Coast Capital and pay zero for fees at regular bank machines. "Private" atm fees do cost, yes. Tangerine and PC financial also offer no fee options too, but I'm not sure to what extent.