I don't mean to sound like a frekin' commercial here, but at present I find Capital One relatively more palatable than many. Unlike BofA, who is currently charging a 5.00 monthly fee for using a debit card, Cap One gives credits (something like A.E. does) for every purchase, that you can use for some kind of gift, though you'd have to use it a lot to add up to anything of value.
Further, there's no fees for checking account (knock on wood) excepting the cost of the checks. And if you use one of those strange ATM's in some mom or pop store that charges up to 2.50 for the pleasure, Cap One refunds that fee... for now at least, because if BofA gets away with its shit, no telling who else will try to follow suit.
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https://secure.consumersunion.org/site/Advocacy?cmd=display&page=UserAction&id=2569