(USA Today) — What’s more annoying than the vuvuzela, the South African horn that has become the soundtrack for this year’s World Cup? Probably nothing. But checking account fees come pretty close. It’s been years since consumers have had to worry about checking account fees. Most financial institutions have offered free checking, even to customers with small balances. They were able to do this because fees from other services, such as overdraft coverage, helped subsidize those accounts.