I checked some of the local banks for what they are offering these days. What a rip off. I use a credit union here in Tucson and had not realized what a rip people are getting from the large banks. Whilst I admit these banks do have large branch and ATM networks, but they're all wanting high fees for that convenience. I also note that some of these accounts are no longer called checking accounts and do not have check writing. Now, if you have a certain balance or get a certain amount direct deposited, well then they offer some fee waivers off their $12 a month fees [that's $144 a year for the math challenged]..
Still, by comparison, my credit union offers checks, bill pay, online banking, debit/Visa ATM card, online banking and it is free [although a $25 savings account is required]