Let's just come out and say it: Banks are evil. All those fees basically add up to highway robbery perpetrated on paper. And banks don't care if some nebulous Internet site is drawing money from your account month after month. Why should they? It's not their money. Which is to say that if you haven't yet abandoned your bank in favor of a consumer-friendly credit union, you would benefit by checking out Provident. After an initial $10 setup fee (waived for those employed by nonprofits), you'll be treated like a real human being, instead of a giant money pool from which the bank sponge can suck up transaction fees. Provident gives you six free ATM transactions a month, and no fees for savings or checking accounts if you keep more than $100 in them. Provident has ATMs in Oakland, Walnut Creek, Hayward, and numerous other places around California for convenient and easy deposits. So liberate your money from the torture chamber known as your bank and send it on a cushy cruise aboard the good ship Provident.