look around for a local branch that has free everything - checking, free debit card, unlimited online banking, free at all of their atms and their affiliate's atms, free balance transfers, no minimum balances in either savings or checking, etc etc etc.
A lot of banks will have a pamphlet that will show you where all their atms are located.
The only thing I pay for is paper checks, and I've had the account for 8 years - only ordered checks twice since then.
Even if a payee isn't set up for receiving electronic payments, the bank will draft a check and mail it to the payee, so that still saves me in checks.
I use TD Banknorth. They have extended hours on Thursdays, up until 7:00. I rarely need it, but it really is helpful.
Asking people on here what they use may not help you, unless they're using a bank that is located nationwide, or they're local to you.
