I have pc also and love it ... There is no fees and you collect points . If you just have a debit card you only collect points at pc stores ( loblaws, independent, no frills, superstores) if you have a mastercard as well you earn points on everything you put on your mastercard no matter the store. I have a savings and a checking acct . And I do all my banking online ( no choice it's virtual) so if I want to move money from my checking to my savings it's instant but if I want to move from my savings to my chequing I have to date it for the next day. I love that cause there's no impulse buying . You earn relatively good interest on the savings acct ... So I keep most of my money there . I would recommend pc I have never had one problem with them and they do EMT's fir your daycare payments