Truly not worth to deposit your money at those big banks

I think as long as you can abide by their terms of service, you should bank there. I have friends who never ever overdraft and keep a good balance in their account and never have ANY problems with 'big banks'. But for people with spending problems, or people's accounts who dip a little lower... Definitely hit up a credit union. I had an account with a big bank called TCF Bank - I don't know if it's country-wide, but I overdrafted for two charges of $2 or something and I was hit with over $150 of overdraft fees. This is how they make their money, though. I now bank with a credit union. I don't overdraft, I actually have it set up to have my debit card declined if I don't have sufficient funds, so that's good. But when I do overdraft, it's a lot less painful at the credit union than it was at the bank.

I bank with B of A. I'm fortunate enough that I still have enough to meet their minimums. It's a good deal for me. They're close and convenient. But I agree with you. If you don't have the minimum, it really would be a better idea to check some of the other smaller banks. Might not get all the frills, but you don't lose either.

Kingparker I bank with B ank of A merica on line and I pay no fees as its all done without paper and using the atm machines with my debit check card.Online banking is the w ay to go