I was frustrated with the abysmal savings account interest rate in Canada: 0.1% to 0.50% at major banks. In the USA, you can get 1%+ at Capital One Bank or Allied Bank.
Finally, I found a proper bank (CDIC insured) that pays almost 2% interest and charges nothing to electronically transfer money to and from my big bank (RBC). This bank is Alterna. Just thought I would pass on the info for folks who would like to make their money work a little harder.