One Of The Better Online Banks For Checking/Bill Pay/Atm

State Farm has a very good bill pay/transfer between accounts system compared with the clunker I use at my credit union. They also refund your ATM card usage at the end of every month, which I find invaluable for travelling. And if you desperately need to give a physical check to someone you can go to most State Farm agents. Real people answer the phone and I've been helped in minutes with a problem.

I've had an Ally bank account, and I think they have slightly better rates and a similar deal with the ATM card. I think its irritating how you have to sign up for this through an agent, but it only takes 5 minutes and its about as timeconsuming as when I signed up for a Chase or Ally bank account online.