I like USAA. It's ostensibly a bank for those employed by the US armed forces (or related to someone in the service), but any American can freely open checking

I like USAA. It's ostensibly a bank for those employed by the US armed forces (or related to someone in the service), but any American can freely open checking and savings accounts. If you qualify for a credit card and insurance, you can cash checks by taking a picture with your cellphone. Amazing online interface (I design interfaces professionally, and theirs is one of the best I've used), iPhone/Android apps, online bill pay, no minimum balance required, free overdraft protection, and a refreshing lack of random fees like those I've encountered at Chase. The only local USAA branch is in Texas, but they reimburse ATM fees (up to $15 a month, I think). I've been traveling around the world for an entire year and have had no problems. Customer service is fantastic.