Perhaps you can get by with a bare-bones account that lets you write a few checks for free, doesn't require a minimum balance, and charge a low or no fee. Or if you bounce checks, you may want overdraft protection. Find out how the bank figures the balance. This means that if your balance drops below the minimum for even a single day, you get hit with account fees and probably lose any interest due to be paid for that time period. Also ask what the bank counts toward the minimum balance.
Some banks count savings along with the checking, and some even count CD deposits.
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