First, sign up for the msot expensive bank in the world. You thought Bank of America was bad? Try Wells Fargo. Wells Fargo charges we for everything, including calling them! Fees mysteriously appear on my account. The lastest and greatest is the recent $54 worth of fees that I was charged because their $1 atm fee went throught seconds before my check deposited. I would look elsewhere if you want a decent bank.
Pros: web access, ton of ATM locations
Cons: fees for everything, hard to reach help