I don't think anyone uses checks here.
You can get a savings account with a debit card. A basic debit card costs about 200 baht per year. As long as your account is active and has at least 2,000 baht in it you won't have any other fees, except possibly when you use the ATM card out of your province.
Also if you want to get a SMS when a withdrawal or deposit is made in your account there is a fee for that. Varies slightly by bank. SCB is 200 baht per year. KTB charges 20 baht per month. It is an instant noticifcation and really nice to have for peace of mind.
There are ATM cards that cost up to 1,600 baht per year but include some accident insurance.