I was with RBS / Charter One. They charged for cheques, but you can get them much cheaper from printers who advertise in the ad insert sections of Sunday newspapers, at the back of the ones where you find the coupons for various different packaged, branded foods, detergents, shampoos, etc. Where I was, this was 'Red Plum' and one other insert whose name I have forgotten but it may be different in other parts of the US. You supply the account number, routing number, number you want your series to begin at, name and address, and you choose from a range of designs, or plain. Direct debits -- they didn't charge. Or direct deposits.
Get a little extra ring for your keys and keep the keyring loyalty cards on that. Get a clip so you can clip the card ring to your carkeys. That way your wallet isn't so jammed. They will give you several if you need extra ones for your household so you won't need to get one from your H or vice versa. You will find you save a lot for the relatively minor hassle of having the loyalty card and if you keep them handy on your keyring there really isn't that much hassle. You hand over your keys with the cards attached to the cashier and they sort out their own to swipe, or swipe them yourself at the self serve lane. Takes a matter of seconds.
I had two for the two stores that I used to go to that had them and saved a lot off the regular prices and a drugstore one also. And one from Borders before they folded. One place in particular had nice store brand Italian sausage that went on sale regularly.
Am amazed you leave your keys in your car.
You can get Guittard, Godiva, Ghirardelli, Sarabeths, Whole Foods brand, Dagoba 'xocolatl', Nesquik, Moonstruck Classic, or even Ovaltine if quality cocoa is what you're after -- but making your own is easy. And Trader Joes sells hot cocoa mix too, maybe not sugar free though. You could also try Abuelita's, a Mexican brand (usually in the Mex section of supermarkets and not near the other cocoa mixes).
Maybe it was the region where I was, but you could get alcohol in pretty much every supermarket. There were very ew exceptions. I know in Colorado you can get alcohol (in sealed bottles) at drive throughs, which imo is taking the idea of convenience a bit too far.