No problem.
I’ll just use cash.
I may have to pay a higher one-time fee, but if the banks would prefer the costs of having to transport, store, and use cash, it’s fine by me.
And the old fashioned bank check has hardly gone away. The writer of the check pays a minimal amount to purchase the checkbook, and usually banks honor checks from checkbooks printed by third parties. The business or entity accepting the check pays nothing for depositing the check (though of course it undertakes the risk that the check may fail to clear).
It’s fine by me also.
About a year ago I went into my bank (a small rural bank) and withdrew a sizable amount in $100 bills. I cleaned them out of hundred dollar bills. The money was in a checking account which paid no interest. I will do that again if they start charging a fee so I can use my own money, and I’ll tell them why. They don’t own it. I do.