Check out Union Federal Bank thru Gary's website:

http://www.freefrequentflyermiles.com/index.htm

I opened an account and found it very easy to use. The Savings account has a high minimum balance to get the no fee, but the checking minimum balance is $200 with direct deposit. They accepted an allottment from my paycheck and then that amount is use to pay a bill I'm going to pay it anyway.