That seems like the exception in the US though.
In the UK using cheques for anything is the rare exception. The plan is to phase them out within a few years, but already hardly anyone uses them any more.
That seems like the exception in the US though.
It's the exception for banks, but credit unions are generally good to their customers. The few dealings I've had with BofA for example left me wondering why anyone would ever deal with them. At my credit union the people are friendly and when I used to go to a branch they actually knew me.
All of the above with no charges, although they may have a requirement to have direct deposit set up.