But you still need to be aware and watch fees and shop around.

Ironically, that's why I'm at a bank and not a credit union. The CU I was at a decade ago was awful and charged fees for stupid shit. I found a student checking account at another bank that was free (and I still have the student checking years after being out of school lol), and eventually gave me a credit card that has given me thousands in cash back while I haven't paid more than $10 in interest in like 7 or 8 years.