It seems that every day we hear about one bank or another being either at the brink of failure or otherwise riddled with controversy. For years now, the ongoing topic of debate over the American economy has centered around the role of a few central banks with corporate management in the crosshairs of conspiracy theorists and legal analysts alike. But what are your alternatives? How do you avoid a traditional checking/savings account that could be subject to a wide range of fees? Here are some ideas.