rcat I only know of the Royale Bank of Montreal. I know your banking rules are different than here. I agree with Didgee it sounds like they are ripping you off. Is it because you don't make a larger amount of money for free chequing? I know they do that here. And if you are over 55 they waiver fees and give free cheques. Does your bank offer that? There is TDbank also. It is worth checking into. tc