I have had great luck with E-Trade Bank and Ally Bank. Their checking accounts pay interest, neither bank charges for debit cards and both allow use of any ATM in the United States with no fees. Ally actually gives money back for using their debit card. I still keep an account with B of A, but only use it to deposit checks (by ATM, of course) that I transfer to the online banks. Fortunately, more and more companies pay by bank draft, so dealing with paper checks is becoming even more infrequent. It’s been over a year since I’ve been inside a bank and I see no reason to visit one in the future.
Hopefully the backlash from fees and bailouts will kill a few of these greedy, non-customer friendly banks.