I can not recommend StoneBridge bank to high-income customers because APY of its checking account is lower than APY you can get in other online banks.
I can not recommend StoneBridge Bank to low-income customers either because it charges a $4.95 fee for online bill payment unless you keep minimum daily balance of $5,000 in your combined interest checking and money market accounts. Many online banks offer bill pay for free (State Farm Bank, Farm Bureau Bank, Ascencia Bank, etc). The interest checking account of First Internet Bank of Indiana with $500 minimum balance requirement gives you free bill payment, ACH-in transfers, e-bills, email alerts, and ATM rebates. StoneBridge bank does not offer none of these either at all or for free.
There are online banks around that have much better checking products than checking account at StoneBridge bank.