If you store money in a bank you might end up paying 3 dollars a month for access to your money via debit card.
Pay everything with a credit/charge card and then pay that off. Spend on the ccard what you would have on the debit card. Last year my wife and I spent enough on our Amex that they were basically paying us to use it (rewards points, etc) plus fee waived. And I got a perverse pleasure knowing that the vendor was getting hit for 3% on every purchase.