Here in the UK we are in the unusual position of receiving free personal banking. It's a historical thing, and the banks do keep on muttering about bringing in fees, but essentially all bank accounts and the corresponding cheques, electronic transfers etc. are completely free.
There are fees if you go overdrawn or something, but no fees for everyday banking.
It really depends on the bank and the account, in Canada. Most of them have a nominal fee that is then waived if the amount in the account stays reasonably high, and then charge you per-use for things that the plan doesn't cover. It's like a cellphone contract - texts are pay-per-use unless you have a texting plan, calls are X per minute or Y minutes free per month, data is $stupid per KB but you get a certain amount free per month, etc.
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There are fees if you go overdrawn or something, but no fees for everyday banking.
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Half the time I sign in I get a banner recommending I move to an Ultimate Personal Reward account.