<prompt> Human: I am looking for something that has nationwide ATM access or will reimburse fees from other ATMs. I also dont want to pay any fees for my checking account. I have seen a lot that will waive monthly fees with direct deposit which I do have. Also anyone have any experience with Ally bank? I understand they function mostly online and I have heard good things about them.  <response>: My preference is always to start with checking out good, local credit unions. Many have excellent online banking, a nationwide coop of ATMs and credit unions that will do banking with you, and ATM reimbursement for the times you just arent in the coops neighborhood.Online only isnt really a bad thing, and Ive heard great things about Ally, Schwab, and USAAs online banking. Im just old fashioned - if I have an issue, or need to do something complicated, I like to show up in person to work with someone so I can clearly explain whats going on. 