New Zealand has gone largely cashless (and entirely chequeless). Everyone is paid by direct credit to their account. You pay your bills via direct credit / debit. I don't think any bank is charging fees (for customers) for electronic transactions via card, or direct credits/debits. They don't even charge a fee for using another bank's ATM anymore.
I am always amazed at how often people in the US mention cheques. NZ retailers moved away from cheques in the 90s due to their massive fraudulent use case (back when cheques were common, so was chequebook theft). The last banks that would accept cheques stopped doing so in 2020, IIRC.
You can use cash, but few people do. Parking machines have tap n pay. I really only need cash when the kids are having a bake sale or disco at school.
But as part of that shift, the Government owned bank ensures that anyone can have a bank account with no fees, no matter how spotty your previous track record.
Works for us. But I don't think we'll ever go cashless, there's no real desire to do so from anyone other than the people who have to pay to make the cash.