I think NetBank is great. I have been a customer for over a year, and haven't paid any of those listed fees. If you are looking for a good bank, this is it. The only drawback is that you have to mail in any deposits, but since I have direct deposit from work, that only happens when I get rebate checks in the mail. I use the free Publix ATMs with no fees (Presto). The things I like the best is that I pay no fees, get all the services, and they pay me around 2% interest on a checking account! And yes, I did get the $50 when I opened my account over a year ago. This is an old promo.
Another reason I chose them, is that they are actually located in Alpharetta, Georgia, which is right down the road from me. When I sold a car last year, I was able to drop off the $5K check in person to their B&M location, as opposed to mailing it in. If you live in Atlanta, then it is an option very similar to a credit union.