<prompt> Human: Looking for opinions on the two. They both offer mobile deposit, no atm fees and no minimum deposit, the only upside is that Charles Schwab offers a brokerage account, but I think once I have the minimum amount I think I am going to invest in a Vanguard account. Feel free to give your thoughts and opinions they are more than welcome.  <response>: I would not ignore local credit unions. My local credit union offers checking with 3.01 APY up to 10k then 0.20 if you have a direct deposit or bill pay. It has online banking that does everything I did with Wells Fargo when I had a checking account there. I also dont deal with the fees that larger banks tend to slap you with. 