Your bank is ripping you off. Tell them you will go to another bank, period.
A long time ago I used to run another business, and we were struggling. My fucking bank, "Caisse Populair", tried to charge me $45.00, to make a long distance call to another Caisse Populaire, to verify a CERTIFIED check. I told the teller to go fuck herself, nice and loud, and closed all my accounts with them. While its true that I had less than 1 year with that bank, it was still robbery.
Since then I moved to BMO and had zero problems. They charge be nothing to deposit any any check, from Canada, US or UK, and clear the funds instantly. We get the same free service from Citibank.
Your banks need you. The next time any loser at the bank tries to charge you ridiculous fees, don't put up with it. Even better if you see you're being nailed on bank fees, call and demand a discount. Same goes for credit card fees.
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