If you are really struggling with finances right now, you might be better off closing the account. I did this years ago when I was making very little money. I'd cash my paycheck every 2 weeks and get money orders to pay rent and bills. What I paid in check cashing fees and postage to mail bills was still less than bank & potential overdraft fees.
Originally Posted by bunniee23
Another option is to keep the checking account for paying rent and monthly bills only, and pay cash for everything else. There are plenty of banks (e.g. WaMu) that have free checking accounts with free checks.