TORONTO Canada s big banks offered payment deferral plans last year for mortgages, loans and credit cards, but now that those programs have ended some have started raising their service charges. “Why are they squeezing the little guy in arguably one of the worst times we have seen in a long time, said Todd Robinson of Springwater, Ont. Robinson has banked with TD most of his life and said he was shocked to get a letter last month showing banking fees for his preferred chequing account were set to increase. Instead of keeping $2,000 in his account to avoid transaction fees of $1.25, he will now have to keep $5,000 in his account at all times or each transaction fee will cost him $1.95.