Here are the banks on my list:
Citi - longest relationship, though just running $1 in bill pay and $1 in direct deposit to keep fee free. Biggest pro IMHO is how they handle online bill pay for payors that get a paper check. Unlike other banks there's no way for that to cause an inadvertent overdraft.
TD - been with them since the days they were commerce bank.
Pros - local branches and next day fund availability on check deposits (occasionally they'll put a hold until just before the end of the next business day, but that won't cause an NSF or NCF).
Cons - low limits (daily, weekly, monthly) on mobile check deposit, but that's mitigated a drop with their physical presence.
Chase - Opened to gain Freedom 10+10 a"h. Keeping open just because I have so many Chase CC. Keeping fee free with $250 monthly direct deposit.
Pros - Excellent technology, check and deposit images online.
Don't use the checking account much to be able to comment beyond this.
USAA - Opened at a time when they had it available to everyone (though without mobile deposit - which became available later, probably when they closed general available).
Pros - Excellent funds availability, high mobile deposit limits, ATM fee reimbursement, no fee for incoming wires, desktop deposit with any scanner, excellent ACH hub to move funds between accounts in various institutions with great funds availability.
Cons - Zelle only available on mobile app (as far as I can tell), low limits for Zelle transfers (though it's mitigated a drop with ACH functionality combined with funds availability and ATM fee reimbursement.
Schwab
Pros - Worldwide ATM fee reimbursement. Possibly other pros, but I opened the account solely for this purpose and fund on an as needed by ACH.
Cons - Need to open a brokerage account. No Zelle.
Fidelity - Recently opened after issues with CUs were raised, and was looking for a decent alternative for my HSA. Found their HSA to be better than the one I had with Elements Financial (Previously ELFCU - Eli Lilly Federal Credit Union), and once I was there I also opened a Cash Management Account for free outgoing wires.
Pros - Cash Management Account, can do trading and "checking" in single account (unlike Schwab that opens a Schwab Bank account and a separate linked Brokerage account), very competitive APR options available for Cash Balances, FREE outgoing USD wires.
Cons - Very cumbersome online interface, no Zelle, TERRIBLE funds availability, extremely long telephone wait times to speak to someone (might have been Year End related), international wires require sending in a form with instructions and potentially a week before it's available (also requires Medallion Signature Guarantee).
smallbusinessbank.com (aka Gardner Bank)
Pros - No fees or minimums for account or for Remote Check Capture. Despite somewhat cumbersome interface, nice calendar view of bill-pay/ACH. Despite being an online bank, it’s actually a one or two branch local community bank in MO (IINM), you can develop personal relationships.
Cons - Useless mobile app.