My main bank is RBC they don't charge me anything and I like / need the convenience of a real bank (had PC for years ran into too many times where I couldn't get enough cash ASAP).
BMO holds my mortgage so I have an account with them. At one point it was a free account. Then they wanted to charge me $8 a month. I said no, they put me on a new plan, pay per transaction. I was fine with that since I don't do any transactions, the account is there so I can see my mortgage balance.
Now they want to charge me $4 a month just for that privilege. Wait, I pay you $6500 in interest a year for my mortgage and that's not enough?