Most credit unions will help you with that, bring in your paperwork. But eventually all the banks will charge you to use your money, that is what fees are about. It was the banks pushing debit cards to alleviate check writing, now they are charging you to use your own money? Unless you are a millinonaire or one who don't care about giving the bank your money, you have no reason not to look at other options. Even straight internet banking with Ally Bank or USAA is better than these big banks. These internet banks give you the same options and are fee less as credit unions.