[philwelch]

Overdraft fees are shit. The best banks just give you a line of credit that's hooked up to your checking account that it automatically draws on in case of overdraft, leaving you with nothing to pay but a few cents interest. Or at least let you automatically hook your savings account up so it automatically throws a chunk of money into your checking account when you overdraft.

Fees in general are shit. Another example: ATM fees. Decent banks don't charge ATM fees. The best banks not only don't charge ATM fees, but if the ATM itself charges a fee, the bank refunds you the money themselves.

Also shit: minimum balances. Chase waives the minimum balance if you have a direct deposit, except I don't want to direct deposit into my checking account. I want to direct deposit into my savings account to use as a buffer. Then, every month, I can withdraw only that month's budgeted amount into my checking accounts. And since I only withdraw the budgeted amount every month, the balance should be 0 at the end of the month, which is why I don't want to worry about overdrafts.

Maybe your use case is different from mine, but the fact is, all the terms I'm asking for are available on the market already and I don't have time or patience for banks that don't accommodate me when they have competitors who will.