Pretty much all our banking is with TDW. Mortgage, HELOC, chequing, RRSP, LIRA, all bills etc.
I do not pay fees because I keep the mandatory 3 grand in the account and stick to 25 transactions per month. Everything that can now goes on the MC and I collect airmiles. Just bought a 65 inch Samsung with those. We used to debit. No more. When the house is sold. Goodbye TD, we will sever many of the ties there then. I will get an account at Meridian.