i use td. US account + their borderless plan means zero fee for cashing checks and i even get a better rate than those without the borderless plan. use the same branch for 6 months or so with no bounced checks and they probably won't hold them either. i been depositing checks there for 10 years and never had one held. sometimes certain tellers want to hold them but i just put up a bit of a stink, tell them i've never had any held and they always let it go once they see i do this reguarly.
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you don't know you're wearing a leash if you sit by the peg all day..
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