No credit union that I've ever seen offers such a thing without balances of $10,000+ and you should probably not be keeping that's much money in a checking account. Credit union and bank fees aren't significantly different from each other. I had a credit union that charged $.30 for using their own ATM.

Best to get a local account without any hoops to jump through to keep it fee free in case you have to go to the bank for some odd reason and open up a fidelity or Schwab account for daily use.