[throwaway2037]

    > Of course in Canada we have a banking oligopoly that is effectively there just to rob people

Are there any OECD nations that don't have a banking oligopoly? I can think of at least one: Germany, because they have Sparkasse (community banks). Does Canada have community banks like Germany and the United States? If yes, then you should vote with your wallet and switch.

[noir_lord]

UK has building societies, they function like a bank mostly but are mutual (owned by it's members).

In my experience they are more pleasant to deal with, tend to be smaller/more conservative with tech and you can speak to a human when shit goes sideways.

Mine has never laundered money for the cartels (unlike my other bank) which is a plus as well.