Not sure if Czech is the best solution.
I'd say it's like the most expensive banking system in Europe (if not in the world) and I'm quite serious.
The structure and amount of fees with every bank statement is quite ridiculous.
If you needed to use ATM I suppose you can do so quite conveniently with any bank that's a member of the Erste Group all over the Europe - as is the biggest bank in Czech Rep
http://www.csas.cz/