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A low minimum balance is all you need to waive the fee. BTW banks are in the business of making money, not of providing a free service to its customers. Go to Home Depot and see if they will give you 3 nails for free.
Most customer oriented banks will give you a free checking account if you use direct deposit of pensions, social security or payroll. Don't get in the way has the cuctomers make a mad rush for the door.
Direct deposit will usually end fees on personal accounts and I thought most banks, including PBCT have been charging fees on business accounts as far back as I can remember.They have raised the minimum for free checking w/o direct deposit though.
you may not be able to get 3 nails for free from home depot but if your a vet you can get a 10% discount on your total bill. buy home depot. by the way lowes matches.