I use Schwab bank pretty much exclusively as my bank (I am pretty sure Fido offers the same services). I do have a local bank, but the free checking, actually wracks up ~$15 a year in inactivity service charges, cause I forget to use it.
In contrast I don't think I've spent $100 in fees in my nearly 30 years of using Schwab as bank. Rebates at all ATMs, no fees for using foreign ATM, (may have changed). Very large ATM limits ($5,000) helpful when you get a big cash discount, for a rug in Turkey. Free bill pay, free wire transfers, mobile deposit,free overdraft from your brokerage account. Plus they even pay interest although now days at .10% who cares, but in the past when it was a couple of percent it mattered.
The one time I needed a cashiers check, I went to my local walmart withdrew the cash. Paid Walmart the $.70 for a money order. I did the same thing when my poker winning were close to $10K, took a wad of bills to Walmart they gave me a money order, deposited the check in my Schwab account.
The only thing I have found I couldn't do is cash saving bonds, but since my 3.5% iBonds have another 18 years before maturity. I have time to find a new solution...
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