Your savings balance can offset your checking account balance requirement. If you use ATM machines a lot, look for a bank with plenty of ATM machines. Most banks do not charge you if you use their own machines. The government will also provide Social Security and other benefits through direct deposit. Many banks will offer free or lower-cost checking with direct deposit, because they save so much money.
Credit unions are member-owned alternatives to commercial banks.
Because credit unions do not have to pay stock dividends, their fees are generally lower. Many larger credit unions have branches, ATM networks and offer all the services of a bank. Many companies, unions, state and local governments and communities have credit unions that you may qualify to join. If one family member qualifies, generally everyone can join. Credit unions are federally-insured, just as bank deposits are.