No fee chequing:
PC Financial. Free replacement cheque books. ING charges $12.50/book ($0.25/cheque).
Access to e-Series funds: no-fee TD Waterhouse TFSA and unregistered account.
while money can be moved in via bill payments from other institutions, you can't get it out easily.
no-fee TD Canada Trust savings account (free to transfer inside TD group - one free debit/ATM transaction per month from savings account)
Canadian Direct Financial (CDF)'s KeyReach TFSA offers a 3% interest rate - great for parking liquid funds.
cash can't be moved out of it easily.
CDF Savings account - access to a bunch of cooperative ATMs (Alterna, HSCB etc) - transfers from 3% TFSA to savings are free so move the money virtually then use the regular savings account as the external gateway.