You do not need a brick-and-mortar bank unless you have a reason.
| Product | ATM Reimbursement | Interest Rate |
|---|---|---|
| Alliant High-Rate Checking | $20 | 0.65% |
| Ally Interest Checking [details] 👍 | $10 | 0.10% |
| Capital One 360 Checking [details] | none but many ATMs | 0.20% |
| Discover Cashback Checking [details] | none | n/a |
| Schwab Bank High Yield Investor [details] 👍 | unlimited worldwide and no exchange fee | 0.15% |