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as greeneyes says...
but I do agree with you on one point, that I've been thinking about.
A check as a negotiable instrument is a demand notice (i believe that was the terminology for it) where you can bring it to the drawn bank and "demand" the funds and the funds upon checking the account should be paid to you. Most of the time this applies to payroll checks as I've seen in the past them waive the fee you are talking about. (I do remember when they instituted that and that was a fist shaking moment...)
as far as the ATM fees are concerned I do recall a study done several years back by one of the politicians (maybe Chuck Shumer) investigating the exhorbitant fees. I was very surprised to see just how much it cost per transaction I believe it was $.75, while it's much less than $3.00, it made the $1.50 more palatable.
Personally I don't do much cash transactions any longer. I rarely go inside my bank, and I do dislike them very much. I'm going to open a Citi account to get a free iPod Shuffle, actually we'll both go to the branch and each open an account and get 2 free iPod shuffles.
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