I've had it with my utterly worthless bank in America. The bank is TCF in Minnesota/other states in case you're wondering. It's going to be a massive, massive PITA to change over all my other accounts that are linked to them (brokerage, paypal, etc), but it will be well worth getting rid of such a poor bank to do so. I went to them for convenience because they are the most accessible. That was the sole reason. What I'm looking for in a new bank: --Convenience. I want to be able to get my money out of any ATM anywhere in America 24/7/365. If I have to pay a $2 fee, that sucks but so be it. If there are any national banks that have partnerships with TCF so I can use TCF ATMs for free since they are everywhere, that would be great. --No minimum balance in my checking or savings account. Any bank that expects me to keep $300+ dollars in the bank at all times just to have a tiny online file in their massive database can basically eat it. --Online banking that's RELIABLE in posting dates. This means I want things to post in the order they happen, not the order that makes it most convenient for them to get an overdraft fee (i.e. a massive deposit on Tuesday that shows as POSTED on Wednesday in the account [no, not pending, posted], then pay my bills Thursday, then Friday my deposit has mysteriously disappeared and my bills have posted, they help themselves to an overdraft x 3 or 4 bills, then as soon as they do it Saturday my deposit shows back up). This is outright UNACCEPTABLE. --I don't care if I don't get free checks, all that 'free this, free that' is just a gimmick anyway since nobody outside of major bill collectors even takes checks anyway anymore so a box will last me five years, and even if it didn't $15 for a box of checks won't exactly break the bank. So who's a good bank who's check card can be used in any ATM in America 24/7/365? So far Bank of America looks like my best bet, with the sole caveat being they only have three ATMs in Minnesota; they waive the fee to use another bank's ATM, but I know the other bank will charge me. Any advice?