The more I read about the "horrors" of the American banking system and of American banks, the happier I am to be banking north of the 49th. We won't discuss the degree to which Canadian banks were sheltered from the "breakdown" in the States (except insofar as they held American investments that went south).

For the past 10 years I've had a generally fee-free checking/savings account designated for "seniors". I haven't paid a single fee in all that time (except for wire-transfer fees).

Now you may sigh. smile tongue wink