I can not recommend nBank to high-income customers because APY of its interest checking and savings accounts is not among the highest APYs you can find in other banks.
I can recommend nBank to low-income customers because it offers both free bill payment and ATM rebates (up to $6 per month) without monthly fee if you keep just $250 account balance and have a direct deposit to nBank. However, nBank is not the cheapest or/and the most convenient bank around. nBank requires customers to return ATM receipts in order to receive ATM rebates. Many online banks offer automatic ATM rebates and free bill pay with much lower or no minimum balance requirement (State Farm Bank, Farm Bureau Bank, Charter One Bank, etc).
nBank offers this account with no ACH transfers or e-bills. You can get better range of online banking services elsewhere. For example, the interest checking account of First Internet Bank of Indiana with a little bit higher $500 minimum balance requirement gives you free bill payment, ACH-in transfers, e-bills, email alerts, and ATM rebates.
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