I bank on-line, pay bills on line, use my debit card as often as I need too - no fees whatsoever. We belong to University of Wisconsin Credit Union.
We used to bank with Bank One, until we realized they charged for even looking
at your balance or making a withdrawal. We pay absolutely no stupid fees with uwcu. In fact, if we write a check and we don't have the funds in our checking account, they will automatically draw from your savings or any other various accounts we have to pay the bills - and all for a $3.00 transfer fee, versus a $25 overdraft fee that Bank One used to charge - even though I had the money sitting in another account!
Anyway, we're happy with our bank.