I have been a State Farm Bank Free Checking Account holder for over two years now. For customer service, they are usually very friendly and helpful(ALL US BASED, in my experience). For interest rates and fees, they will beat most brick and mortar banks, obviously from being ELECTRONICALLY BASED. Also, being that they are an electronic/online bank, they don't have any of their own ATMs. This is actually GREAT because they refund ALL ATM surcharges and don't have any of their own. Thus, you can use ANY ATM ANYWHERE FREE! There is a downside to the electronic basis too, however. Deposits; they aren't as fast as a bricks and mortar bank. If you have direct deposit, it's no different, but depositing a cash or check takes extra time. On the upshot, they do have a cool app that let's you snapshot a check to deposit it to your account.
