<prompt> Human: Im looking for a daily driver checking account, but I find that most websites and mobile apps simply suck. Things that Im looking for are: No dumb password restrictions 2 factor authentication, ideally with a hardware andor software token Ideally being able to create a read-only user for my account Good, modern, responsive UI Charts and history is never bad Nationwide ATMs or ATM fee reimbursment Decentgood customer serviceHow do online banks such as Ally and Simple Maybe Capital One 360 should go in here as well? compare to say Citi or Chase specifically in their online website experience?Im currently with Wells Fargo if its makes any diference.Thank you!  <response>: Im a huge fan of Schwab because they offer multi-segment financial services. Checkinginvestingretirement etc. Most commercial banks charge a fortune for anything more than a checkingsavings account. 