We still do cheques, and they cost us $1 each time we write one out, so we use netbanking where we can because if you have a month with loads of bills it really adds up to a lot of money over the entire year. I don't think the farm account has fees each month aside from the other bank ATM one. That was the big difference we noticed with his previous account to this one - he had fees out the raazoo with that one and it was nearly $50 for the full year.

Bath - we've BTDT with Elders and we wont be going back is all I will say about that.