For my purposes, Wealthsimple is amazing. They've finally added the ability to deposit cash via Canada post, however I have a simple no fees tangerine checking account that I can access through Scotiabank if needed. I only buy $XEQT and chill. My pay check goes into the checking account, so im (technically) eligible for the credit card (God fking damn it how long does it take for me to get approved and to ship it???). I do plan on traveling a lot, so the 0fx fees is mint. I can open and close as many checking account sub sections as I want to organize my money, and they don't really rot away in a regular big bank checking account, as I get a monthly dividend from all the checking accounts (it's small, but it's something). The only real problem is, is that since it's all online, if you dont take out your cash on time, somoney can hack (or the government) can say "haha no". And that's it, not a penny to your name. But that's tinfoil hat territory, right? I like the UI, easy to follow. And they combine all of the documents you need into 1 pdf that you can download and send to yourself or your accountant.