Join a credit union and get a free checking account
Many banks will tell you you're getting a free checking account but you still some how get hit with fees left and right. Most of Maine's credit unions offer the free4ME Account which is a FREE checking account tailored to the needs of 18-to-25 year olds.
No minimum balance, no monthly maintenance fees, a free debit card, surcharge free ATM network use (SURF), and Oops! refunds twice a year. Plus, you don't have to sacrifice technology. You also get free online, mobile banking, and e-statements.
Doesn't that sound so much better than your bank?