Lancelot,
I have been with Bank of Internet for nearly 2 years with free; 3% checking, checks, and bill payments. I have not used ATMs with them but they reimburse ATM fees you pay, up to $8 per month. I will be using ATM machines when I go to Bangkok the end of October for 30 days.
"So far", I have been very satisfied with their CS. They have responded to my rare email properly.
Good Luck.
MJ
http://www.bankofinternet.com/drates/default.asp
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I look to the present moment because that's where I live my life.
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