Most money markets stay liquid and require a minimum balance. If you'd rather do your banking from home, try a virtual bank. They tend to have lower fees and will pay higher interest rates. In Canada, try ING Direct , Citizens Bank , BMO mbanx Direct , Manulife Bank , or President's Choice Financial . Order your cheques from a mail order company rather than the banks which charge high markups.
Banks are notorious for service charges.
Periodically check with your bank to see what fees are being charged. If you don't agree with their service charges, talk to their manager. If they insist on charging you unreasonably, you can always bank somewhere else. Check out your local credit union. They usually have lower service charges and better service.