<prompt> Human: Im moving to start a new job soonSouthern US, but my current bank doesnt have any branches or ATMs anywhere close to the new city. There is a nearby Chase branch though. Ive spoke to some friends who like them, but just wanted to get a second opinion. Mostly I just want a place to put my paycheckDD, setup automatic bill pay, and a credit card for emergencies.Any advice or other input?  <response>: Here is my recommended list of friendly online FIs: Ally Capital One 360 Charles Schwab Discover Bank Fidelity Cash Mgmt Product Simple Bank State Farm Bank USAA if you have accessNone of these banks have minimum balance requirements, and only USAA has a minimum to open 25. All these banks have free ATM usage at a wide range of ATMs generally at least the Allpoint network. Ally and USAA will reimburse ATM fees for any non-network domestic ATM usage up to a monthly limit. State Farm reimburses all domestic ATM usage fees with direct deposit or monthly limit without. Fidelity reimburses unlimited domestic ATM usage fees. Schwab will reimburse ATM fees both domestically and internationally no FTF either.Online banks a great, here are a few reasons to keep a checking account with a local institution. Dealing with cash deposits. Same day cashiers checks. Notary and Medallion Signature services. Safe deposit boxes. 