| Bank | Monthly Fee | ATM Network | Digital Features |
|---|---|---|---|
| Bank of America | $10 (waivable) | 16,000+ | Mobile check deposit |
| Wells Fargo | $10 (waivable) | 12,000+ | Zelle integration |
| Capital One | $0 | 70,000+ | Mobile-first design |
| Ally Bank | $0 | All ATMs (reimbursed) | Check deposit alerts |