If you have a Holy Rosary Credit Union in your town i highly suggest that. all banks will charge you fees for over charging of course but in my area if you overcharge on debit its only a 5 dollar fee unlike other banks that charge 30 or higher.
I have an account through Federal credit union and one through Telco. I have never had any problems with either one of them, checking accounts are free and there are no hidden fees.
