No account fees whatsoever No minimum balances No minimum debit card purchases No minimum direct deposits No minimum bill pays Free checks Free wire trans

No account fees whatsoever No minimum balances No minimum debit card purchases No minimum direct deposits No minimum bill pays Free checks Free wire transfers ATM fee reimbursements (If you pay $2 to the ATM owner to take out money, you'll see a $2 credit on your account immediately) No limit to ATM fee reimbursements FDIC insurance Paycheck posts a day early (not advertised, but that's been my experience) It's obviously a loss leader to encourage you to use their brokerage offerings, but no brokerage account is required to open the account. The only other companies that offer products that are comparable is Schwab (which is another brokerage), and USAA (whose membership is limited to military, veterans, and immediate family)