If you are an online banking customer, you will be familiar with the ease of use and convenience that you get with online banking. These days though, as online banking becomes prevalent, the banks have realized that they would love to charge for the convenience. My bank, Royal Bank of Canada, has gone overboard on a savings account I use. The average fees I am paying in 2012 for 3-4 interac e-transfer transactions is about $20/month (!).
Turns out that many banks have a set of free transactions for Interac email money transfer as long as you pay a monthly fee. My chequing account for a $13.95 fee gives you 5 "free" Interac email transfer transactions which can be sent to anyone in Canada and deposited to their own bank using email only.
Also you should be aware that transfer between bank accounts within the same bank (yours or others within the same bank) should always be free between any account. Anything less is unreasonable because it costs literally nothing for a bank to transfer funds between accounts.
The approach I am taking these days is to do direct any deposits (esp direct deposts) to an interest bearing savings account which yields a few bucks each month (covering any small fees when possible). The float in this account can be used to transfer to other accounts within the same bank for free. You may have to rearrange how your direct deposits are directed, but trust me -- it is worth it. Flowing money through interest bearing accounts even if it the money sits there for a bit, offsets the nickle and dime fees that banks have been instituting. I figured that if I didn't do anything with my online payment habits I would be spending over $250 in bank fees alone for one account (Royal Bank's interac email fees are $6/transaction). It all adds up -- call your bank and review your fee patterns in your various accounts. You may be surprised what the banks have changed in 2012!
The thing that gets me of course is that in theory an electronic transaction should be cheaper than one done in person or via a physical cheque, yet banks have (as always) figured out a way to make something that costs them less, cost us more. Fight back!