Just last week a friend who worked for a bank like that said, "If you don't like it, just buy the stock." His rationale was if they can get away with crap service and high service charges, along with being defacto permanent government oligopolies, any savings of yours that you can convert into bank stock will pay out multiples on what you pay in fees and irritation.

It just encourages them, but that's Canada, market economics don't apply here.