My mom has been banking with Twin Cities Federal (TCF) for years and recommended that I do so as well. I took her advice and started a checking account. It is simple and absolutely free. Other available services are savings, loans and credit, insurance, investing, convenience banking (check card, ATM machines, supermarket banking, etc.), and online banking. The customer service is friendly. They are very understanding when it comes to overdraft fees and are usually willing to let it go. I would recommend TCF.