We love Schwab. We use their High Yield Checking account: Zero monthly service fees, zero minimum, unlimited ATM free rebates worldwide, 0.10% APY interest, free bill pay on schwab.com & Schwab Mobile, deposit checks from anywhere on Schwab Mobile Deposit app, FDIC insurance up to $250K, & a linked Schwab One brokerage account with no fees or minimums. Standard checks & a Visa Platinum debit card are free once the account has been funded. ATM fees are refunded promptly; this is an essential feature if you travel. Zero problems with online access, transfers, bill pay, & mobile deposit.