[deelowe]

I highly recommend schwab. Accounts earn interest, free everything, great customer service, all atm fees reimbursed, free cash advances against the debit card (for large withdrawals. The only thing that's challenging is depositing cash.

[alhirzel]

+1 for Schwab for the same reasons; I have never had better customer service experiences with any business. Their chat is available pretty much always (as in, I have had 10-second replies at midnight).