I have been living in the US for a while, in Los Angeles. I have a MMA account (and checking) with Capital One.
I have been happy with it for a few years, but now I would like to switch bank.
The APY went from 2% to 1.5% (they have a new account that offers 1.7%) and I cannot use their app in order to deposit a check, support was very, very bad, unhelpful.
So I am looking for a new bank, offering Checking and MMA accounts, with debit card and checkbook for the Checking account. But also online app, the possibility to transfer funds from one account to the other online, the ability to deposit check online AND to deposit a check physically somewhere (Capital One allows to deposit checks at some ATMs). No outrageous fees, around 2% APY on the MMA account would be great.
I did a little research, I have to say that I am not from the US, so everything is a bit confusing.
I found these banks: UFB Direct, BMO Harris, Pacific National Bank, Memory Bank and SunEastCredit Union (2.2% APY but only for 13 months),
Do you have experience with any of these banks?
Will they work for me/my criterias?
I do not need a physical bank, never had the need with Capital One (only for check deposit when the app did not allow me to deposit checks online, I used ATMs at Target for that).
Any help will be really appreciated, English is not my native language.