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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