I agree with YOGAO on USAA - they are the best! Not only all the things mentioned (the bill paying is free, too), the ability to deposit a hard copy check by scanner has been awesome. Nothing like receiving a check in my forwarded mail and the local banks want me to open an account to cash it, or charge me $$ for the privledge. Now they (USAA) also have an Iphone
app that all you have to do is take a photo
of the check to deposit it! If I had one of those gadgets, that would be the bomb!
For people that are online saavy and don't want to wait for USAA to forward them the bill pay check, or that want to pay me by credit card for something, Paypal has been good. Their fees
cut a bit, but I don't know of an easier way to accept credit cards.
USAA recently opened their eligibility to all honorably discharged veterans. The only service
that I've seen that NFCU beats USAA on is mortgage rates, not an issue now that I don't have a mortgage anymore.