NO fees, and the ability to talk with someone in person if needed. Also, a robust online banking/bill pay system. I went with a small local bank and I love them- not a single complaint. They opened a branch in the parking lot of where I work (!) so I make sure to do my banking in person there so they know me, and the small branch will remain open. I encourage all of my clients to utilize this bank, since so many banks have ridiculous fees and this one has none. When you are on a fixed, low income, paying 10$ or more a month for a checking account is crazy.