text: They skim very little off of me.  No monthly account fees, I don't continually churn my investments and I avoid managed investment products so my overall trading cost is less than 0.03%. 
  
  Basically the dividend just from a single quarter from my RY bank shares more than covers my cumulative fees for the year.
  
  Not to mention the cash back on my bank branded credit cards returns hundreds of dollars, even after the small fee I pay for premium cash back.