+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
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Capital One 360 is an internet based checking account where you conduct all activities online or with a phone app. They offer a small interest rate on deposits and give you free checks. You can deposit checks using a phone app and can now deposit cash using ATMs. They offer free ATM withdrawals using the STAR network of ATMs and there is usually one nearby. Check for signup bonuses when opening an account because there is usually one available.
Charles Schwab operates their banking service differently than the branch banks. Schwab offers no branches and everything is conducted online, through the mail, or over the phone. You can deposit checks using the Schwab phone app or mail them to be processed. Schwab offers free checks and their accounts also earn interest. They will refund all ATM fees, up to a certain limit, at the end of the month. Schwab customer service is based in the US and all of the reps I have encountered are very friendly and knowledgable. If you're comfortable doing all of your banking online, Schwab is a great choice.
I use a few different banks in addition to Wells Fargo. When paying my credit card bill last month I accidentally clicked to pay using Wells Fargo. After realizing that I had used the wrong account, I also realized I didn't have enough money in this account to cover the charge. I called Wells Fargo, explained the situation to them and they were very helpful in allowing me to deposit funds to cover the charge so I could avoid an overdraft.
I used my Bank of America credit card at a restaurant and after checking my account online I noticed that the charge was significantly higher than it should have been. I called Bank of America and the customer service rep called the restaurant with me on the line. The customer service rep had the restaurant change the amount charged to me and let me know that if I had any other problems to call back and they would be taken care of.