Switch to a credit union, then. If your profile info is accurate, you live in a region served by the SF Fire Credit Union (http://www.sffirecu.org/). I switched to them a few years ago and it's been a great experience. Save yourself that $144 a year.

They have the largest ATM network on the planet; every ATM is free-of-charge. (That is, they'll refund the fees, if the ATM charges any.)