I currently don't have any bank accounts due to similar things with TCF...I can't have one unless I either pay TCF for the BS fees they charged or wait I think 7 years. Which is fine by me.
I am running Bluebird by AmEx. Direct Deposit, totally free ATM if you use a Walmart ATM (there are plenty of Walmarts around), it's completely fee free and you can't overdraw. The drawback is that it really isn't a bank...it's just a preloaded debit card...there's no interest, no savings account, has nothing to do with your credit, etc. Also, no checks, but that's fine by me as I haven't written a check in 3 years. If I have a check to write, I'll pay cash in it's place (daycare was the only thing I ever wrote a check for along with my car payment). But I pay everything in cash or via debit card so I have no need for a real bank anymore....when it comes time for a car, suppose I pay cash if I can't get a loan due to no bank account.
As for banks I have used/gone to/done business with. Although I've never had a USBank account, I have done business with them and I think they are great. Spire is a good credit union as well as Affinity. I have had accounts with both. Really those are the only three I will recommend to anyone. I have dealt with Wells Fargo (they held my mortgage and also had a checking with them), TCF, Bank of America, ING Direct, and a few others. ING Direct is also good, but it's an online only bank. If you have direct deposit, not an issue because they issue you checks and a debit card, just don't have locations to go to. Might not be an option, but I had an account with them for the longest of anyone and would go back again.