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As far as withdrawals were concerned, my bank (Bank of America) didn't charge anything to me when I withdrew cash from one of their ATMs or when I visited a teller. I had an ATM in my office building where I could withdraw up to $700 per day. If I needed to withdraw more (which was a rare event) all I had to do was walk about 60 yards across the parking garage to see a teller since they were in a tower nearby. They did not charge anything for using my debit card for my transactions at stores and the only time that I ever paid a transaction fee was when I used an ATM that was not in their network.

You could also pay your neighbor with cash instead so that it isn't so much trouble for you to demand that they waive the $8 fee? I'm certain that your neighbor would appreciate not having to make a special trip to the bank to cash your $25 check, nor would she need to be concerned about losing the check, having the check bounce or having to explain those checks if she had her taxes audited.

I am glad that you are concerned about your poor neighbor being ripped off with an $8 fee on a $25 check, but if that is the case why are you continuing to cause both her and yourself so much frustration when there are other ways to alleviate that aggravation? If you know that you need to pay her for a debt or even to give her a gift for such a small amount then taking out a little extra cash (2% of $25 is 50 cents) is certainly easier and probably safer since your neighbor has to travel home with the cash anyway whether they are walking (which makes the neighbor prone to muggers) or using a vehicle (which is costing your neighbor the price of gasoline)?

I guess that it is easier to blame the bank instead. Good luck finding another bank that can provide you better service.