You need a better bank.
I pay zero to send or receive email money transfers, and zero to withdraw cash from an ATM (not that I ever use an ATM any more...)
Interac (no "t") is why Canada is years ahead of the US on electronic payments. one type of card available to almost everyone (unlike credit cards which can be hard to get if you are poor, unemployed, or have bad credit) and which works at practically every retailer in the entire country, usually without any fees.
Any time I travel outside of Canada, whether to the USA or Europe, I'm always amazed at how far behind places are for electronic payments. I haven't needed cash in my wallet in Canada in years, you simply never find a situation where it's needed. Every business takes Interac, Visa, and MasterCard, and I pay the same price in the store whether I use that or cash, so I might as well do the convenient way, and every person can receive email money transfers. The only reason left for cash in Canada is for "anonymity" (and it's always debatable how well that works anyway)