Canada is king of service charges as far as I know. There's only one single "bank" that I know of right now where you can have a chequing account that doesn't cost you money every month, even if you don't use it.
My bank is a small, non-franchise bank (that is, not like Wells Fargo or Bank of America) in Fairbanks, Alaska. Even though I am now living in California (and next year in Mexico) I am keeping them as my bank. They are very much customer oriented. They know me personally, I can send them an email and they will do a $10,000 wire transfer (
without any service charges) to Carlos' bank in Mexico. There are no fees for checks, they pay interest (minimal) on my checking account, money orders are free, etc. There is no problem setting up autopay for any repetitive bill.
They're a small bank, but their service is large.
tanstaafl.
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