frankly, CIBC is good<br /><br />there is a student discount, no monthly fee at all (but you need to keep balance over 1500 in chequing account)<br /><br />besides, there is a bonus saving account option, I personally feel it's better than GIC. If you have over 5000 balance, you will get bonus interest monthly. <br /><br />the banks here are quite complicated, but if you follow the rules, you can find many nice investment plans