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PNC, which has branches in 15 states and Washington, D.C., offers a checking account without a minimum balance requirement or monthly maintenance fee.

ATM withdrawals are free at any of PNC's 6,000-plus ATMs, and the bank reimburses non-PNC ATM fees if you carry a $2,000 average monthly balance.

One downside: PNC branches and ATMs are mainly concentrated in the Northeast and East, so it may not be your best option if you live out West.

NEXT: The Incredible Bank
Last updated January 28 2011: 2:44 PM ET
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