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That is a frustrating situation. One thing you can consider is getting a prepaid card and using that as your bank account, instead of having a traditional account. Or you can look into a bank like First Merit, which offers convenient and customer friendly financial solutions like First Merit banking online. This has no fee, and all other fees are kept low as well. But that's not the only game in town, if you're looking for low or no cost banking. There are many companies, including smaller banks, credit unions, and credit card issuers, which are striving to offer low-cost, no-fee account options for folks fed up with paying fees for banking. As you make your decision, consider what you usually do at your bank. Do you write a lot of paper checks? Or are most of your transactions automated? You may be ready to go do a digital account and do away with traditional banking methods.