You work so hard to save money and then to see it just wasted is a sickening feeling. Through my experience I learned about bounce protection, which didn't cost anything. Here are some other ways to make sure that you don't waste money banking.
Many banks now offer free checking.
Some require a minimum balance, others that you use direct depost for your paycheck. Others have no restriction. The fees are less, and loans are easier to take out. Often the service is a lot better. Avoid using ATM cards .