Wowzers, I did not know that they used to charge percentages. I would agree on low cost/no cost not being 'good' in the big picture. Things are in constant flux is the only constant.
I remember my first bank account when I was very young, paid a 6% yield on an everyday savings account at a small credit union. Most are less than half a percent now.
I recently found a local credit union that pays 3.5% yield on checking which is fantastic nowadays. There's a few hoops to jump to guarantee the rate but very doable. The best money is fdic insured money made on the money already made!
News 
Market Data 
Discover 
