I've been a loyal TD Trust customer for multiple years, and truth be told, they have served me well (zero complaints). However, I'm starting to think switching to PC Financial is the better choice. Lower interest rates on borrowed credit, higher interest rates on my personally saved money, and smaller or zero banking fees. The problem I have with this is that switching bank accounts is such a PITA.. or is it? I have to switch my bank account numbers for all my accounts (car, insurance, government, other automated-withdrawal accounts, etc.), and moving my balances over might also be a problem (line of credit, credit cards, and 3 other accounts), unless PC wants to do that for me for a small or no charge. Who uses PC and was it easy to sign-up and move accounts over from another bank? I'd also consider insuring my car with them, but I think their rates for me are higher than my current insurer.