I apologize for the strange formatting. I'm new to HN posts, I thought I added enough new-lines. I'll try again, since I can't edit the original post. =====

I apologize for the strange formatting. I'm new to HN posts, I thought I added enough new-lines. I'll try again, since I can't edit the original post. ===== I'm shopping for a new checking account. My only requirements are * Website with good UX and handy features like CSV exports * I'd like to avoid ATM fees * Accepts direct deposits - I imagine all banks do this * Support outbound ACH transfers * A US based call center - or at least a well trained offshore call center * Paper checks Not a factor * I do not have to worry about maintaining a minimum balance * I'd rather better service than a good interest rate on my deposits Red Flags? While shopping around, are there any red flag anti-features that I should try to avoid? Are there any specific banks that I should avoid? Final note I've done a bit of reading on sites like Nerd Wallet and Bankrate. But their reviews don't really provide the knowledge that I am looking for. I'm looking for testimonials from actual customers. I am not looking for blog content written for the purpose of generating affiliate link revenue.