You realize all banks charge a fee to people to cash checks. And it seems like their tellers get that fee as bonus. Enjoy your ATM limit, it's the same for most banks. There are only 5 or is it 6? major banks in the USA, they're all similar with fees.
We used Bank of America for many years for a small business. Make a deposit every month of checks through the drive through, teller scans checks through & you get your receipt, like many other small businesses do.
One day a week later, check the balance and the deposit is not in my account balance. Call the bank and turns out the bank got robbed of 'canceled' run through check deposits. BOA took the deposit out of my account & didn't even call me. It took two months of dealing with Bank of Americas 'security witch' in California to get that money back.
I had to list every clients name/address, phone contact information and check amount to verify a deposit the BOA had scanned in & already had that information. Once the money was back, I moved all accounts to Chase. They have the same fee structure anyway for everything.
Too much info about my dislike for banks, sorry.
My point is people without much income are dunned by Americas banks for the most fees. Millions of Americans are forced to carry cash because even a $180 a year basic checking account fee is a hardship for many people. I don't want to be forced to carry cash either, it's not safe for anyone.
It is easiest to blame the banks, they are at fault 
p/s and yes edited to add, my neighbor, yes I use cash now even though she has a bank account for her ss check deposit.
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