the Price of Checking Accounts

I have a checking account with a credit union. I have to pay for checks, and many other services. I've had this checking account for the last two years and more.

I've had this checking account for as long as I've had any checking account. I pay a $4 monthly fee with direct deposit. I have to pay for checks, unless I want boring ones (I usually choose those). This checking comes with several features. I have a debit card, free online transfers, and my choice of several other options. I can have my purchases rounded up to the next dollar and the difference put in savings. I can use my debit card as a visa, and i get a percentage cash back yearly. It's usually at least $90. The main reason I go with this bank is the excellent service I've received. I had my debit card stolen once, and the money taken was replaced in my account right away, with no big hassles. There are local branches that I can go to whenever I feel like it.

I would suggest choosing your bank account carefully. A free account looks great, but often has a hidden catch. Service and reputation are important in a bank. In a credit union, you can often also get a variety of products all serviced by the same people.