Savings accounts were still free, so I closed my checking and kept my savings. I redirected my direct deposit to the savings account. The savings only allows 4 withdrawals a month, so every payday I transfer enough to paypal to pay all my bills. I only withdrawal cash once a month and use my credit card for everything else. Giving me 1 withdrawal should any emergencies pop up.
Yeah it can be a hassle, but like I said I'm a cheapskate. I wondering how long it will be before they catch on and put a stop to it.
Having a drop or two of Scottish blood in me and very little money to spare for fees when a bank has the use of my money anyway, I’m not inclined to throw away money that I need to pay bills with. Your, ahem, frugal approach may come in useful for this penny-pincher. You deserve a tip for your tip, but you know how we frugals are. ; )