In America there are multiple options for free banking, no monthly payment, and no fees, even with using other banks ATM's when keeping a minimum balance.
If you are looking to purchase property in the US, then an important consideration, is that your credit history will need to be re-established in the States.
There are some exceptions, the best option seems to be RBC Access USA. RBC Access USA is designed for Canadians who visit or travel to the USA regularly. When looking to buy property in the U.S., RBC Bank can help leverage your Canadian credit history to make it easier to qualify for U.S. loans and establish a U.S. credit history.
Another great option is Harris Bank which is the US branch of Bank of Montreal, that allows Canadians to open a bank account online. Harris bank has a snowbird program that can help simplify the process.
If you are interested in other banks, because there are not RBC or Harris branches near you, be sure to look for bank incentives that pay you money. Also, there may be unadvertised referral credits.
http://www.usabanks.org/
http://www.thepiggybanker.com/bank-deals/
http://bankdeals.blogspot.com/search/label/banks
http://www.maximizingmoney.com/category/banking-bonus-deals/
Check these articles for other blogs and comments:
http://dan.matan.ca/US-Bank-Account-For-Canadians-Save-on-Currency-Excha...
http://btr.michaelkwan.com/2007/10/06/how-to-open-a-us-bank-account-as-a...
Entering Canada's financial firms to the US, showing that the host country is financially unstable.
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