I wouldn't say it's hard, Wells Fargo has free checking for anyone with over $500/mo in direct deposits or makes 10+ debit card transactions per month. Even someone making part-time minimum wage can probably make the debit card requirements without an issue.

Every credit union in my area offers free draft accounts as well, just put the $25-100 member balance into savings and you're done.

You can't be seriously recommending Wells Fargo to any consumer are you?

They have proven to be a criminally fraudulent organization time and time again.

Some people can't afford to be overly picky with their bank, and I know at least one person who has been screwed by at least one of the big (US, consumer) banks (Bank of America, Chase, Citi, US Bank, Wells Fargo) - all of them suck.

For as awful as they are, Wells Fargo even has the "opportunity" checking account that gives people who have negative marks on ChexSystems a second chance at having a proper checking account. Compared to the awful re-loadable debit cards from Walmart, et. al, it's a great option and the monthly fee can be waived with 10 debit transactions per month or $500 in direct deposits.

Would I go out of my way to say I LIKE Wells Fargo? Hell no, they've done tons of shady stuff - but compared to how US Bank has screwed over every one in my family at least once they've been at a "below average" level of suck.

If you never have to make cash deposits:

https://www.capitalone.com/checking-accounts/online-checking...