My parents were in the military, so I was able to get free checking and insurance through them. I've never had to make any insurance claims, but their prices were way cheaper than any other company I looked at. They are very flexible as far as due dates for my premium, and they've never charged me a late fee. I once went 6 months owing them around $30 and still no late fee.
The checking is fair. My credit won't qualify me for the thing where you can take a picture of a check and deposit it with you phone (Mobile Deposit is what they call it.) so I have a local bank where I deposit checks, and then just transfer it thirty seconds later. Always ask your local bank for a "no-holds account" so your checks are deposited immediately!!! I've only overdrawn once or twice, because transactions show up immediately, even pending transactions, so you know exactly how much money you have if you check. They didn't charge me an overdraft fee. I transferred the money the next day and all was good.
Their fraud services account called me on a Monday in December, saying I had suspicious activity on my account. The Saturday before (two days earlier) 5 $100 debits were posted in Tennessee and Alabama. I had been in Virginia the entire month. The next day they put the money back into my account, and let me know that it would stay when they finished their investigation and determined it to be fraud. The weird thing was I still had my debit card with me, so they sent me a new one. Problem solved.
Whenever I've had a question and called in, I've never waited on hold for more than 3 minutes. Literally. 3 minutes max. And their operators speak perfect English, are very polite, and know what they're talking about.
I called one Friday night at 1:30 am when I realized I didn't have my debit card. A girl answered right away, put a hold on the card, and told me to call back when I found it or considered it gone. Problem solved.
All the complaints I read always seem to be with deposits or lack of and auto pay when your account won't cover. I understand the frustration but it is the customers fault almost every time.