I am in Australia and I have my adsense income deposited directly into my account (EFT), it is simple, quick and no charges. I don't have to think about it, like today I just logged into my bank account and there it was, this months amount sitting there ready and waiting to be used.
Banks do charge fee. But i do not know do (( CitiBank branches )) charge fee? PS: google checks are payable at: Citibank (NY)
As long as it's in your own currency, I don't think they will take a commission? Ours don't here in Canada.
If the check is in you own currency and if you have citi bank in your local ... there is no commission..