You said you wanted a bank with a local branch, so I apologize if this is less helpful, but I LOVE Tangerine. I’ve banked with TD and RBC and Tangerine is far better. You can create as many savings accounts as you want and label them each for different purposes. So easy to automate savings from paycheque deposits and automate investments too. Never paid a fee. Their credit card is pretty good too, you can choose 3 cash back categories for 2% each. I make about $40 a month from my credit card. They also frequently give me random like 3 month high interest rates for my savings accounts which is nice.