$30 a month includes unlimited typical transactions (cheques, debits, ABMs) as well as a few other goodies like cheques and a S.D. box. It is waived with a $5000 minimum balance......my math says this is a bargain for me, because I would have to earn something like 8% interest on that $5000 to make up for the value I get for keeping that $5000 in the bank.