As of 2015, online checking accounts from Simple and Ally Interest Checking offer the best digital tools and customer service options, according to NerdWallet. Simple lets customers withdraw funds from any Star ATM with no fee, and provides unique budgeting tools such as "safe-to-spend" figures instead of available balances.
Ally Interest Checking also doesn't charge for ATM withdrawals, and it even refunds fees charged by other banks for using their ATMs, explains NerdWallet. Ally has a call center that's open 24/7 and provides online chat support in real time. Customers can even conduct business via their Amazon Kindles. Ally is reachable via Twitter and provides secure online banking services and messaging.