<prompt> Human: I need to open a bank account so I can cash checks and use a debit card. I dont care about access to having 3 ATMs on every street corner, and I do not want to do business with any of the big banks you know who they are. Ive read USAA credit union is super awesome with their member benefits, but Im afraid I dont qualify. I travel internationally, so access to funds would be a bonus, but if not, I can figure something out. I was checking out one of those local no-name Chinese banks, and theyre international, with a handful of local branches. Any tips on choosing? How are online banks? Im open to that, but dont know anything about them. I dont care about 0.0000004 return on my deposits, and I will not be doing any direct deposits I dont work for a company. I would prefer to have zero fees, but Im open to paying reasonable fees.  <response>: Im very happy with my Schwab checking account. They refund ATM fees and you can deposit checks via smart phone. You can open a brokerage account for overdraft protection behind your checking account, or if you want take funds from your checking account and buy stocks or mutual funds if you desire. 