I use Scwhab "high yield" (lol) as my primary checking account. I find it worthwhile due to the simple requirements/no worry of random fees, and because I can walk up to any crappy atm anywhere in the world and just get money without thinking about it. My experiences with customer service have been positive. But their approach to security is an absolute joke. They're an online-only bank, that stores your password in plaintext (and don't allow your passwords to be more than 8 characters/have any non-alphanumeric characters), regularly asks you to type your social security number over the phone, and have such poor fraud detection that I have their IVR memorized to just get them to leave me alone because they have cried wolf so many times.