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The free checking account, which for decades has been a staple financial product, may soon become a dinosaur.

These days, just 39 percent of non-interest checking accounts are free compared with 45 percent last year and 76 percent in 2009, according to Bankrate.com's 15th annual checking survey.

Thanks to direct deposit, minimum balances - and even mortgages - though, those costly, monthly fees can be avoided.

ABC News has compiled a list of the 10 largest banks and how much each is charging for basic checking accounts:

1. Bank of America

• Checking: $25 deposit to open; $8.95 monthly fee unless statements are paperless and deposits/withdrawals are done online or by ATM.

2. Wells Fargo

• Checking: $100 deposit to open; $7 monthly service fee with online-only statements; $9 for paper statements unless direct deposit or average balance of $1,500.

3. JPMorgan Chase

• Checking: $25 deposit to open; $12 monthly fee unless direct deposit of at least $500, minimum balance of $1,500 or $5,000 average daily balance in linked accounts.

4. Citigroup

• Checking: $0 to open; $10 monthly fee unless balance of at least $1,500 in prior month or one direct deposit and one bill payment each month.

5. US Bank

• Checking: $50 to open; $6.95 monthly fee with online statements or $8.95 with paper statements unless direct deposits of at least $500 or average account balance of $1,500.

6. PNC