Everbank has been my primary checking+saving acct for the last decade. The automatic atm fee reimbursement is great. For deposits, you can make deposits online, or you can deposit by mail and they pay the postage. Their free online bill pay is convenient and has been very reliable. They pay consistently good interest, and everbank is appropriate if you maintain a reasonable balance. Given that they pay good rates on checking, there's no reason to maintain a separate savings account, though they also have a decent money market account. Rates: while their rates are good, they usually don't have the highest rate, but rather a competitive rate. Beware that their advertised rates are misleading teaser rates, and you have to dig through their fine print to find the regular ongoing rate. Customer service on the phone has been pretty good and i haven't had to wait on hold very long. But I've only called maybe once every couple of years.
This bank gave me a great rate on my checking I found the people there very nice when i called and yes live people who seem to care about your business and from what i read they have a lot of assets so they must be doing something right. been with them for a while.