Good basic account. No interest and, you have to pay for personal checks but the account is a lot less restrictive than other banks so called free accounts. No minimum balance requirement, so long as you're not overdrawn, and no direct deposit requirement. Great East Coast presence and allows you access to the largest network of ATM's in the US now that they're part of Wells Fargo. Free Debit card with rewards, free Way2Save account and Free Online Banking with BillPay.