I have a free checking and a savings account with Washington Mutual. The only condition for the savings account is that they'll auto-withdraw $25 from my checking into savings each month...but I can transfer it right back into my checking if needed so its essentially free.
The only reason I have a savings account is because I use my check card all the time so I don't like to keep a lot of money into it. Also if you write checks (I don't, everything is auto-debitted from my checking) I'd think about it too even though most banks will refund your money if you ever became a victim of 'check-washing' (anyone read 'Art of Steal' lately ?
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Anyway, my paychecks go directly to my savings and from there I transfer to my checking as needed. When my savings has enough money I tranfer 80% of it to ING (on top of the monthly auto-withdrawls I have setup with ING).