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I've been with Bank of America for several years and never paid a cent for ATM transfer (within US) and checks (requiring a minimum $1000). Cashier's check is free, too, 3/mo. I also had experience with another

smaller bank, which waiver my bank fee for one year. CIBC, on the contrary, requires a minimum of $1000 for free banking of a limited amount, but there are some service charges almost every month. Royal bank charges a flat fee for limited services.
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