The online banks are very risky though, but that is true they are often free. The physical banks are almost always not, unless you want the extremely basic account for people with no address registration
What do you mean by risky here? DKB is owned by the Bayerische Landesbank (mostly owned by the state of Bavaria). Their online security measures seem at least as good as my Sparkasse account, too. I use a physical TAN machine to authenticate transactions for both.
