i think only the lowest CIBC plan has a balance based fee waiver

RBC as far as i know has none at all, but they do have multi-product discounts which can effectively be a fee waiver of some sort. How much benefit you get out of it depends on the person and banking needs.

TD, BMO, Scotia all have balance based fee waivers for most, if not all of their standard accounts. For us BMO works the best, since they only require one lead account to meet the min balance, versus TD which evaluates every single account individually for the minimum balance.