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i have zero bank fees and i use cibc with no limits that i'm aware of?
keep a 6k balance and pay nothing.
i realize you could probably pay $15/mo in fees and take that 6k and invest it and potentially make more, but meh.
otherwise when i was with tangerine years ago other than few minor annoyances i was pretty happy with paying nothing. the minor annoyances were that i had to wait 3 business days for a bank draft to be mailed to me, and that basically i didn't have a relationship with anyone at the branch i could just call up any time for any reason. i think 99% of the time you don't need these things enough to warrant the fees, especially $342/year, that seems especially high.
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