Just logged into my rbc account. Looks like I have to start having my paycheques deposited into chequing. Since no more 1 free withdrawal from savings to chequing with payroll deposit.
Ignored the rest, since my money goes into rbc, then out to a few high rate savings accounts (which ever virtual bank has the best rate at the time).
Don't think I'd want to go pure virtual banks just yet. Otherwise I would dump my account tomorrow.