Bank Fee Dilemma

Unless you keep all your cash locked up in a safe at your house, under the mattress, or in a coffee can buried in the back yard, you probably use a bank of some kind to hold on to most of your money. But not only do banks hold our money, but they can also provide a lot of useful services such as writing checks, offering ATM and debit cards, savings accounts, and even online bill payments. But these services aren't always free.
Perhaps your bank does offer free services. There are still many little banking events that can trigger small bank fees, or a series of fees. Using an out of network ATM can cost you a few dollars. Having your balance in your account drop below a certain limit may trigger a monthly service fee. And obviously, overdrawing your checking account or writing a bad check can be costly. These fees often are over $20 for each violation.Fees can add up quickly. A few dollars here or there can end up costing you a bunch of cash each month. Add them up and you're looking at a nice chunk of change that went from your account to the banks account.
http://financialplan.about.com/cs/banking/a/CutBankingCosts.htm