I've signed up for web banking so that I can keep track of my transactions. It updates my account very quickly (within a day) upon withdrawals or deposits. Credit card payments made using this account might take a couple more days, but maybe that's just how long it takes the credit card companies to process your payment.

I opened this checking account when I first started college at SUNY Binghamton. Up there, there are lots of branches so it's easier to get access to an teller to ask any questions. But in NYC, it is pretty inconvenient. That is my only critique.