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I have had no problems transferring between to and from paypal with my RBC account. With canadian accounts it takes 2 weeks. With US accounts its under a week I believe. Credit card is the way to go if you want instant. I just turned 18 not too long ago so I think my experience is valid.
I find RBC keeps calling me to get a new debit card. Might be a plus though as it could just mean more protection and the ATMs aren't too hard to find. Up at SFU scotiabank is the only one. I am planning to open an account with them along with scotia itrade when I turn 19. TD broker fees have just been rape so win win?
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