Royal Bank of Canada.
They suck really bad, and I am switching to Amicus Bank very soon, as they have no fees whatsoever, and their loan rates even beat my credit union.
An example of Royal's suckiness? Car loan rates there are 9.75%. Who are they trying to fool? I can get an UNSECURED personal loan at 5.25% at Amicus. Not to mention that they nick me for ~$50.00 in fees every month, and every time I have gone to the bank for something, they hassle me, and I end up arguing with the manager. :|