If you dont want to pay monthly fees, go with a small credit union. My buisness banking costs 0$ a month with unlimited transactions, but cheques are pretty pricey (.80$ afaik).
I rarely write cheques so its not a big deal.
I run a canadian HID kit company, if you have any questions about hid kits in canada or would like to check out our products please contact me here: http://absolutehid.ca
Hot: 2001 Estoril M Roadster
ZCP 19's michelin supersports, ZHP knob, JL 8W3
Cold: 2002 TiAg M3 6mt ZCP 19's michelin supersports, deoranged, dechromed, led tails, ZHP knob, UUC SS v3, GROM, OEM 18's w310's,
Fun: 2006 YZF-R6, black