Being FDIC insured is pretty standard nowadays. Also, you only get charged fees if you use a "service" of the bank, such as overdraft protection. If their rev

Being FDIC insured is pretty standard nowadays. Also, you only get charged fees if you use a "service" of the bank, such as overdraft protection. If their revenue model of "interest margin" uhm.. interests you, I would suggest joining a local, state-chartered credit union. It is how they have been doing it for years! [EDIT] and if you are young, time is not in short supply and is actually on your side