I like...Bank of America. Which I think people will think I'm satanic or something for saying that. I used to have a checking account at a very small (only in my home state) bank and then I moved across country and everything was awful. My card would get rejected at stores because the readers couldn't recognize the bank and huge, huge ATM fees. I got an "online-only" checking account at Bank of America last summer and it's been great. As long as I never go into a Bank of America building and use a teller there is no monthly fee. Everything is direct deposit and now I only get cash from the cash-back at the grocery store. No fees. Ever. I can even send checks to people and places from my online account. I love it.