Do that or pay the five dollar a month fee.
Side note: Lots of banks charge for individual debit purchases. I'm pretty sure mine does, I know it did when I opened my account. I just run my card as credit. So from my understanding it's just that debit purchase fee we're all used to reformatted.
I can't wait to see how this shake out though- because it will set a precedent for all the other banks, especially nation wide ones.