I love this bank. There are no frills, but everything is straightforward. There are no minimum balances or maintenance fees, and all my banking is done with my smartphone and with a debit card without all the fees and strings attached. They can’t take cash deposits, but it’s super easy to transfer money back and forth into and out of the checking account. The account budget options are incredible and changed the way I manage money. Keeps me on my budget and out of spending trouble. If you need cash, there are more than 40,000 ATMs that I can use, totally free.