We use PC Financial and Scotiabank. Used to use PC exclusively, but with having paper cheques from clients I wanted a branch that I could actually walk into and talk to someone. My only beef with PC is that no fees seems to equal no service. If you have any questions, issues or concerns you can only deal with it over the phone. In my experience, the people at the store kiosks are just sales reps. They always get me to just call PC in the end. I do looooove PC points....