If you have money and direct deposit, use presidentialbank.com then a local free bank for cash withdraw, use hsbc to transfer.

if you do not have money, use ebank and get 25 when you open it. Then open hsbc saving. or capitalone or emigrant direct.

another good choice is pcbanker.com for poors. simple and good interests.

I used them all through these years, no bad experience at all. NEVER USE CHASE, CITI, BOA.... unless you just for their bonus.... or you have a lot of money and do not care...