I would like to add more options to the below link:
1) Sign on with a no-fee bank, in Canda, there are PC Financial and Citizensbank of Canada.
2) Use a Calendar software/website (e.g., Sunbird or GCal) to manage bill payment and fund transfer (Do not pack a large amount of money in checking account all the time)
3) Use a financial management website/software/speadsheet (there are plenty of them free, e.g., for spreadsheet you can use OpenOffice) to manage your account(s).
4) Enable overdraft for your checking account to prevent overdraft fee and bad credit due to that.
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