Quick and easy to open an account

This was the most painless and quickest process ever! I wanted a no frills account, and within hours I'm set up, got my card, EFT'd money into my account, and changed my various monthly accounts to reflect my new debit card account. My credit check was instantly (with my main bank it took a loooong time for approval, even though I've been with them for decades, and have an excellent credit score). If you just want a straightforward account with minimal banking charges, and a Visa debit card, I recommend it highly.