If you have high balances, you should consider "bank of internet". The name sounds like a joke, but they are similar to Ally in terms of services, but offer mo

If you have high balances, you should consider "bank of internet". The name sounds like a joke, but they are similar to Ally in terms of services, but offer money market rates on the checking account. I use them, and don't need a savings/money market account, so it really simplifies things. They also don't charge foreign exchange fees, and their method for computing atm fees is the amount mod $5. When I was living in china, I actually made money every time I withdrew from the ATM, because the USD amount would be $83, and I would get $3 refund for non-existant ATM fees.