I can not recommend JustBANKIt Bank to high-income customers because APY of its eFunds Premium checking account is lower than APY you can get in other online banks
I can not recommend JustBANKIt Bank to low-income customers either because its "cheapest" eFunds Basic checking account requires $1000 minimum average balance to avoid $5.95 monthly fee. JustBANKIt does offer free bill payment. However, many online banks offer free bill pay with no minimum balance requirement at all (State Farm Bank, Farm Bureau Bank, Ascencia Bank, etc). JustBANKIt does NOT seem to offer ATM rebates, ACH transfers, email alerts, e-bills, online check images for its checking accounts. You can get much better terms elsewhere. 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, e-bills, email alerts, and ATM rebates.
Conclusion: there are online banks around that have much better checking products than checking accounts at JustBANKIt Bank.