The PC Financial doesn't have monthly fees but you have to do everything online. They don't have a teller but you can use CIBC machines.. I got it when I was a student and because I got used to it... I never switched.. For some services such as cerfitied cheques, you can go through CIBC and they'll do it for you.. and also, I think it depends where you live too..I live Ottawa, there aren't that many BMO or TD banks around but you can see CIBC all over the town...as others said, whichever is convenient for you, you can go with that..