You probably have a checking account or two, but chances are you haven't paid much attention to it recently.Well, this might be a good time to re-examine your account to see whether it's really right for you. When considering your checking options, make sure you pay attention to the fees and other details in the fine print before you make your first deposit. Look in particular for the following terms: Monthly Maintenance Very few institutions actually admit that they charge a flat fee for their checking accounts. However, a "maintenance" fee often lurks in the background. The fee is frequently on the order of $10 to $20, and is charged monthly unless certain criteria are met -- typically a required minimum balance.