[RandyRanderson]

Note: MBNA Canada is owned by TD.com (one of the 5 major banks in Canada) and not the US MBNA. In my estimation, it's likely that they've looked at the numbers and are essentially 'firing' FF customers b/c they don't drive enough rev.

CIBC (another bank here) has been doing this for at least 15 years by offering seemingly 'cheaper' banking services using the same systems but different brands (eg PC financial). The downmarket brand seems cheaper on the surface but they take away all the costly things the flagship brand gives away (eg in-person banking, no fee transactions, etc) and charge [more] for them.

Our telcos here do the same thing with MVNOs (eg Rogers, the flagship brand, owns Chatr, for poor ppl).