<prompt> Human: Im attempting to find a new place to open a checking and a savings account. I currently have Chase Bank, but havent really been too thrilled by the service over the years. After scouring rpersonalfinance and rbanking I think Im down to a couple options, either USAA, Charles Schwab, Prosperity I live in Texas or a local credit union. What do you think would be the best option for someone just looking for a checking and savings account? My biggest concerns would be over ATM accessibility, ATM fees, mobile banking, interest on money in accounts and fees for keeping said accounts.  <response>: If you can get a full USAA membership, Id do it. Once youre a member youre in for life, and theyve changed eligibility rules in the past. I dont know that any one part of USAA is better than everything else but they reimburse ATM fees, and mobile deposit via app, good customer server, etc. I have my home, auto, life that may not be the best deal but its good enough and checking through them and havent seen any reason to switch. I do use another bank for higher interest emergency savings though. 