"Our banks might not be convienient"

I don't think that at all. I was responding to negative claims about technical innovations, and those are present in Canadian banks in one form or another.

The bank you are speaking of is probably PC? You can use any CIBC ATM for PC banking, and its banking reps are in Loblaws stores, so while it has no branches per se it's not as bad as you make it sound.

There are credit unions here as well. There are options, but I'll admit the big 5 have quite a lot of the attention. I have heard that many small banks in the US are lacking in several service features, I don't imagine it's a rosy awesome world in the US.

I don't pay monthly fees, and I pay maybe $5 in bank fees a year total.