@Richard Ginn: Paper checks are expensive to handle. Sometimes "old school" ways can get pretty expensive. Clearly, this bank REALLY wants to do everything electronically and has set their fee schedule accordingly. If the bank makes sure that people understand its fees before they sign up for an account, I don't have a huge problem with what they are doing. However, I do appreciate Mr. Consumer highlighting their account fees. If you want paper statements or the ability to write paper checks, you definitely want to use a different bank.