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Originally Posted by Yakk
ING direct offers a decent savings account, but I don't know if they offer the other feature's I'm looking for in Canada.
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ING Direct is not a full service bank that offers regular chequing or savings accounts. The ING Investment Savings Account requires your existing bank's chequing account to move money in and out of it. It does, however, give you the opportunity to earn 3.5% on your savings while still having full access to it. Just bear in mind that it can take 1 or 2 business days for the money to move to and fro.
It's going to be extremely hard to find a bank that won't charge you anything without requiring a minimum balance. I'm actually surprised that you lasted this long if you are at a major bank. PC Financial would probably give you one of the best deals because it's a discount bank designed for Loblaw's customers. It is actually a joint venture with CIBC. The reason why it's so cheap is because, like ING, there are no branches to maintain. But at least you can get a chequing account at PC (with no fees, I think, so long as you maintain a credit balance).
If you want my opinion, in your case, I would recommend just going with PC Financial, just bear in mind you won't have the services of bank tellers like the major banks have.