fees are different every where you go, i would look at the top of the check ,and go to the original back that it was made at. they will cash it free of charge,with no account, just an id with picture. if you are in the "check" system, no checking account is advaible , you can open a savings account, although they may require a min. balance at all times.
if you dont want the monthly fee on savings acc. g. eagle maybe your best bet. the fee is less and an average bank.
how can banks charge you to use your own money anyways.....right!!!!!! but they do, and now you must shop for the best. good luck. its confusing out there.