When I was in college, I signed up for Wachovia free checking account. The pluses on this is that it was convenient to use when it came to online checking and web bill pay online. Another convenient thing was that there were plenty of ATM's available with Wachovia so you are able to use the card with no fees. The downside to me was that two years later I occured maintenance fees on my account which since I never overdrawn I did should not pay the bank to maintain my account. Nevertheless, I left with them and went to Bank of America.