Milk and cookies. Meat and potatoes. (Or, portabella and cous cous if that's your thing.) The point is, sometimes the basics are perfectly fine. Case in point: Basic Checking from SMW FCU.
You get checking account and a complimentary Visa® check card with no minimum balance. The basics done perfectly. But heck, we'll even marinade things a little with free online banking, bill pay, and overdraft protection. Dig in.
Everything you need; without the service fees you don't.