We use a credit union and we are senior citizens so it depends on a variety of requirements - we have to maintain a savings account of at least $1 - and have used 'direct deposit' for our SS and retirement incomes since the option was made available to us years ago - I cannot see us ever having to pay for our checking account or checks (also provided free of charge). Good luck
Love, Betty Lou
I am 'the HAT lady"! and "who loves ya BABY?!"