My credit union used to offer checking accounts with no fees. My credit union used to offer lower rates on loans. That is no longer the case. Now my credit union charges me monthly maintenance fees that are higher than some banks. Now my credit union's loan rates are higher than some banks. Back in the 1990s and maybe the early 2000s credit union were better than most banks. Lately I've noticed that some banks are actually better than some of the credit unions. I suggest you shop around more than one bank and more than one credit union.
Ask them if there are any monthly maintenance fees for your checking account.
Ask how much is the monthly maintenance fees.
Ask what are their requirements to have monthly maintenance fees waived.