Coming here and seeing all these bad reviews makes me feel better! Unfortunately RBC took over HSBC's business in Canada. HSBC were friendly and good. RBC has been, well to put it simply, ridiculous. I went to all the trouble of setting up with them. I got the online banking going, etc. I could have simply jumped ship right from the start, but I took my time to work with them. They wrote to us a little while after the start and told us they were extending the "no fee" period. Well that was nice but HSBC did not have any fees, so perhaps it seemed a little ominous. Then a few months ago (about a year and a half after the takeover) they wrote to us saying they were keeping our accounts no fee indefinitely. Ok, that's good. Then they sent me an email two weeks ago saying they had decided to close my account (with some vague reference to "a review" they had conducted of their products and services - but not providing any concrete explanation at all). They then demanded that I remove my money before some date in 2022 (yep, three years ago). Then they sent a "recall" email - which certainly made them look very professional – loads of sarcasm intended there). Then they sent another "ACTION REQUIRED" email demanding that I remove my money by a date in December - again without any substantial explanation. Finally, today, I received a letter, which demands I remove my money by another date in another month. All I can say is that I will be only too happy to take all my business over to Scotia - which has served me faithfully since 1997. I will have nothing further to do with RBC, and would suggest others think carefully before having anything to do with this, in my estimation, dysfunctional bank.