We also have 2 checking accounts. One account charges transfer fees, charges a service fee if there's no direct deposit, charges for checks, charges for bank transfers, charges a foreign transaction fee, charges ATM fees if not its own machine, & does not pay interest. However, we keep it because it has brick & mortar locations everywhere, it accepts cash deposits, & does not charge for notary services, which we occasionally need, BUT we avoid ALL fees. We have this checking account on 'auto pilot': we have it set to make automatic payments for all bills that will only accept a bank draft & have fixed amounts. It is funded with a monthly direct deposit of just enough to fund the auto payments. We keep a small buffer in the account to avoid an overdraft & we never write checks out of this account. Since it carries a lower balance than our primary checking, we have linked PayPal & Venmo to this account as well.
Our primary checking account is for all other transactions. We use Schwab for this -- it is an online bank which provides free checks, refunds all ATM fees anywhere in the world, does not charge a foreign transaction fee or a checking fee, does not charge a transfer fee to/from other banks, and pays interest. We fund it with a direct deposit, mobile deposits from a cellphone, & occasional bank transfers. We try to pay as much as possible online to avoid writing checks, which can be hacked, & we only use a debit card to obtain occasional pocket cash.