Nope NO FEES for general banking ... I can use my debit card unlimited - in fact I earn more points the more I use it. I get free cheques too and no limit on how many a month I write.

The only time you would pay a fee is if you did something 'extra' outside normal banking ... so if you use ANOTHER banks ATM than you'd pay $!.50 service charge but you can use CIBC machine as often as you like for FREE. If you want a money order you pay for that and so forth.

If you go into overdraft with your account - you pay $4.95 service charge for that plus interest on the $$$ you are below zero until you get it back into the plus amounts.

Now if you had an account and it sat DORMANT for more than 3 months or whatever their dormant criteria is - aka no money went in or out during that time - than they do charge a service charge for that???? Not sure the logic there to be honest as long as the account has money in it it should not cost them more for it to just SIT there? That is my one beef with them - but than again ALL banks have this policy from what I have heard and some banks if your account sits dormant they will not only charge a 'dormancy fee' but eventually they 'absorb' all the money in it and close the account - so when you notice you have to go and fight to get your 'abandoned' money back .... to me that is just so wrong