U. S. A. A. Seriously. You don't need to be military to get a checking/savings account, I get a certain number of ATM fees refunded to me at the end of the month, or if you need cash back just go to a grocery store and get it there, no debit transaction fees. Great customer service, even better online banking. If you absolutely have to have access to deposit live checks, get a account at a local branch (even better, get a acct at a bank where your mortgage lives if they have local branches), get an account that still has free checking with no min. balance (Huntington springs to mind), set up bank-to-bank wire transfers (you get a certain number free per month), and there you go. Learn how to game the system.