I know that. But I can transfer my money with ING and other banks through internet or phone. I don't need to move one step to do the transaction. Thus, you don't have to withdraw money from one bank counter or ATM and then deposit the money in CIBC or Loblaw ATM.
Actually, I have 2 of these bank account to take advantage of it. Because, ING offer higher interest and internet/telephone withdraw/deposit; PC financials offer no fee daily transaction.
London life insurance is offering something called "Freedom 55", meaning that you can have your financial freedom at age 55. Hence here goes my "Freedom 85".