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You forgot to mention that they charge an arm and a leg to cash your check for you. I don't know what the going rates are these days, but I remember it wasn't unheard of to be charged $20 to cash a $250 check. Banks with free checking are a double edge sword. On the one hand, suddenly you can start cashing/depositing your checks without being charged crazy fees. On the other hand, if you fall below your minimum required balance, you start haemorrhaging your hard saved money due to bank fees.