I'd open an account at a local, community bank...one with a good reputation. If nothing else, it will save you check cashing fees. If you have no account, they may charge you to cash checks....ultimately saving you no money.
If you had unauthorized charges then you need to dispute them. If they aren't responding then move up the management chain.
Fees aren't assessed "for no reason". The reason could be a misunderstanding on your part or a mistake on the bank's part. Either one should be able to be explained to you.
I've worked in banking for about 20 years, so I might be a little sensitive about this. But, trust me...not all bankers are out to screw you over.
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