Ok, you are going off the beaten track here. Where, and please do tell, did I say that Canada is Iraq ... I would really like to know.
So you will be happy with a mediocre service, just because it is free? I prefer to pay my R180p/m, enabling me to NEVER have to walk into a branch, everything is brought to me when I need to sign papers, can transfer, issue cheques (I can even have those delivered at no additional cost, anywhere in the country).
I always say: "If you have enough money, you don't care to part with a little bit of it"