Chesslive

This is the BEST site I found till now, most of the services are free but you should be a member of USCF and some other chess federations(so, this too is not totally free). For non USCF members only limited services are available. Though it has a membership option, it fee is also modest (comparatively).
Its positive points are
1. Support for chatting with any player]
2. Seems to have active community and a form
3. Ability to participating tournaments for all players.
4. The sites design seems to be a copy of ICC but a lot more better than it.
5. Lot of strong bots to play with or test with.
6. We can challenge anyone
7. Good user interface and graphics.
8. Ad free content, revenue generated only through royal members and USCF membership fee(which we pay any way for playing in tournaments)

Negative points
1. Though it has sections named learning there is absolutely no content in them.
2. It is not intuitive and difficult to learn
3. help has content but there is a lot of scope for improvement.
4. some what old fashioned and that is quite obvious.
5. different window sections overlap creating confusion.