We bank with Tangerine ( formelly ING Direct ). We have been with them for years. Zero fees, higher interests, always open, quick phone call away. If you need an ATM they use the Scotiabank ATM's for deposit or free withdrawls so it's very convenient. Very friendly easy to understand customer service. Did I mention it's free. We have opened several accounts within our account and it's like having a jar system. We have never been so financially sound until we started using them.
We do like to keep an account open locally with Sunrise Credit Union. We have an account there that is pay per use. We don't use it alot but it's nice to have the option if we needed it. I do believe in face to face relationships with a bank that's why.
98% of our banking is with Tangerine and the rest with Sunrise.
If Sunrise ever made it easier to create multiple accounts ( Like the Jar system ) and had lower fees for unlimited online transactions we would likely just bank there and no where else. They are awesome to work with. I highly recommend them. We just don't believe in paying a bank to store our money there so they can use it to lend to others and charge them as well. Double dipping.
Message me if you want to open a Tangerine account. I get a reward and so do you if I refer you.