<prompt> Human: I have just recently gotten married and am looking at options for our personal finances. So a few questions... A. Bank or credit union? We would ideally like something that has a local branch, so something in the southeast US. B. Reasons why for the above recommendation. Some things I would like to know about are 1. Fees: I dont want to have to pay to do basic transactions so avoiding monthly fees, per check fees and fees for account assistance. Are there fees for not using the local branch when using an atm card? Is there a minimum required balance? Are there limits on the number of transactions?2. Services: do they offer mobile depositing? Is there an option for online bill pay? Is transferring money to other banks easy? Do they have good customer service?3. Interest rates: this would be for both deposited money and for loans. Ideally, higher than average for credits and lower than average for debts.4. Incentives: are there any incentives for opening a new account? Any for having an account for an extended period of time, ie customer loyalty?C. Finally, should we keep separate accounts and have a joint account or just the joint account? My husband suggested separate makes buying gifts easier...Thanks for any advice given.  <response>: I have used Schwab for years. I love themFree checks. Free bill pay. Interest checking I think its very nominal right now like 0.05 per year.No ATM fees anywhere on any machine. Also, they refund ATM fees charged by the bank who owns the machine. 