<prompt> Human: Im going to be setting up checkings and savings bank accounts since I got a new job, but I have no idea where to start. All the physical banks in my locale have fees which I dont wish to pay, but Im not sure if I can trust online banks with my money, namely Ally. The description seems perfect, no fees or min. balance, and has a free debit card. But then I see reviews that say No problems with them, and also Accounts being closed for no reason, so Im stuck in the middle. I know credit unions are popular among people, but it isnt an option for me since I dont live near one, and would like to have access to my money when I am on the road.Is there any bank that just has no minimum balances, no maintenance fees, allows direct deposit and a debit card?Another thing I was hung up on was how do you deposit cash via online banks? Would an ATM allow this without any fees?  <response>: Avoid Bank of America 