I can not recommend MyBankUSA to high-income customers because APY of its Interest Checking account is lower than APY you can get in other online banks
I can not recommend MyBankUSA to low-income customers either because it charges a $3 fee for online bill payment. Many online banks offer bill pay for free (State Farm Bank, Farm Bureau Bank, Ascencia Bank, etc). The checking account at MyBankUSA bank requires $2000 minimum average daily balance to avoid $10 fee. For example, the interest checking account of First Internet Bank of Indiana with $500 minimum balance requirement gives you free bill payment, ACH-in transfers, visa deposts, e-bills, email alerts, and ATM rebates. MyBankUSA does not offer any of these services either for free or at all.
Conclusion: there are online banks around that have much better checking products than checking accounts at MyBankUSA.