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Parama is the best kept secret in banking in Toronto!!
Why would you continue banking with one of the big banks when you can get all this from Parama for free, on a clear conscience? It's a small, community based credit union, and of course you have a say in how it's run. And also you get returned a share of the profits! In 2013, they returned something like $250,000 to their members.
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My parents setup a bank account with Parama ages ago, when I was still in diapers. While many of my childhood friends have moved on from Parama to "Canadian" banks like RBC, CIBC, TD and whatnot I stick with Parama.
Oh how I enjoy this place, let me count the ways:
*no service fees (other than whatever ATM fees are charged by other insitutions)
*can get money orders in CAD or USD
*can do wires...
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Parama Lithuanian Credit Union Ltd offers these services: caisses d'économie.