I love people who tell me how they're going to bank exclusively online....and they can't get their wifi to work and by the way can I open a Tangerine account at a Scotiabank branch? I can't figure out how to do it online......
I'm not knocking online accounts, I have one myself, but if you are not at least tech-competent, there are ways to bank free and get decent savings rates on your emergency cash at physical bank locations.