mjstumpf

Looking for recs. Have done my homework.. but I don't think anything exists to satisfy this (the key is, it's gotta be convenient):

1) Want higher interest checking. Currently at 0.25% or something small. I want 2-3%.

2) Online bank is ok. The key is, it has to offer full ATM fee reimbursement, preferrably automatically. This has to be present. It's a bloody remote bank, after all.

3) Minimum balance needs to be low ($1000-2500), or what's the point?

4) I want stuff like billpay via web, and electronic banking.

5) No goofy gimmicks or deliberate traps set, such as you must use our debit card for 10 POS transactions per month.


After searching, eBank and Everbank seemed to fit the bill, but eBank has a BankRate.com rating that suggests it is in bad financial shape (and I don't want to find out first hand how FDIC insurance works...), and Everbank only reimburses $6 of ATM fees, and only if you mail them the slips.

Any thoughts?