"Go to your bank and try to open a checking account with a debit card with no minimum balance, a positive interest rate, ability to transfer money instantly wit

"Go to your bank and try to open a checking account with a debit card with no minimum balance, a positive interest rate, ability to transfer money instantly without writing a check (basically a wire transfer) for free, no insufficient fund charges, no monthly fees, free online and mobile banking, etc." You just described ingdirect.com.