Most banks dont charge for standard non-business accounts, neither for debit cards...where are you seeing these fees/charges?
I'm curious what else is under your "perks" umbrella.
If you want a checking account with no minimums try Ally. EFT payments are also free. You will have to pay for checks however.
I don't use checks often but have to buy a box in order to have >0.
This one is TD but the others all charge the same. Why compete when you can collude?
TD Unlimited Chequing Account
Unlimited transactions for your peace of mind
Annual fee rebate for the first year on select TD credit cards (up to $139)
No TD ATM fee at any ATM in Canada
Free Interac e-Transfer® transactions
Monthly account fee of $16.95 or $0 if you maintain a daily balance of $4,000 or more
It is also pretty much impossible to keep precisely $4,000 in your account because of the lumpiness of day-to-day inflows (paycheques) and outflows (bills). If you keep say $10,000 in your chequing account to (a) avoid the $16.95/fee, and (b) provide a buffer against unexpected expenses, then the breakeven return on your money is $203.40 / $10,000 = a paltry 2.03%.
Wait, its 0.000% on $4,000
High interest, indeed!