I need to choose the most advantageous bank for a girlfriend (an old-age country pensioner) to open a current account. Approximately CZK 8.5 thousand / month would go to the account on a regular basis. she would sometimes like to pay in card shops and she would withdraw from an ATM about 2 or 3 times a month (at the post office - probably Poštovní spořitelna-ČSOB) and would welcome online banking for occasional transfer of payments, etc. Please advise me which bank I can recommend to her to pay what at least for account management and other fees. Is it possible to set up an account online or will it have to go to a branch in any case?