I have had a good with with a few community banks that were in the area that I happened to be in. The poor man's implementation ( 3 accounts with the one coded

I have had a good with with a few community banks that were in the area that I happened to be in. The poor man's implementation ( 3 accounts with the one coded for no withdrawals ) costs about $15/mo and it makes me known to the branch staff, including the managers, which is invaluable. It works for both personal and business accounts but it does not have a good online experience -- there's no positive pay. National banks ( think Chase/Citi/Boa/WF/HSBC ) offer positive pay on cash management accounts ( corporate/treasury/commercial ) but have very complex workflow so I avoid them. From regional ones I had a good experience with PNC.