Yes, any big bank with a lot of branches absolutely charges you. It's very easy to get deals like online banks (more reliable than credit unions BTW) but those don't provide services like depositing cash some people need.
I wasn't talking about online banks, which I know nothing about. I was talking about ordinary everyday banks and credit unions, which allow you to withdraw money from shared networks[1] of ATMs nationwide for free. Like, this is a thing, you don't have to have $20,000 in a Bank of America account to get free checking and you don't need a nationwide branded ATM/branch network. You don't have to have direct deposit either. Or be white. I've literally been in banks and have seen with my own eyes how it works.
Requiring $50 in the account or $10 a month deposits to avoid the fee is still too much. Large overdrafts are also too much. The thing about poor people is they don’t have any money.
