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Another vote here for Ally. Been using them for years. Pick up the phones right away; website works well; easy transfers and the interest rates paid on deposit products are decent. Additionally when your cd's expire they kick an extra .15 loyalty bonus.

(Fwiw and ntim ally is from the remnants of GMAC a division of GM Corp.)

Ally's current app is built using http://www.kony.com/ which is why it is less than awesome. We're actively working to improve our native applications (and web experience), look for updates coming soon in your friendly neighborhood app stores. :)

With Simple, there are no ATM fees at any AllPoint ATM, and they are everywhere.

ATM locations are a funny thing. I realise that there are many Allpoint/whatever network ATMs near me, but I really value just not having to care. I usually get cash out when I remember I don't have any and see an ATM, rather than hunting one down.