Another shout out to Ally. Not affiliated with them; have just used them for many, many years. They reimburse ATM fees (used to be unlimited; now capped per month); no minimum balances; and have interest checking.

The only times I get frustrated are when you need a lot of cash (think buying stuff from Craigslist). Incoming wires are free; outgoing wires are reasonably priced (and is how I submitted funds to the attorney in a different state to close on our house).

The few times I’ve had to contact customer support my wait time was in the single digit minutes.

Many other things I could add, but I already sound like a shill. Schwab is also great for ETFs. No experience with their other banking products.