Why it's tops: Branch convenience and a low bar to free checking.
While other banks are cutting back on branch hours, the Canadian TD Bank is open on Sundays and weekday evenings. It's easy here to dodge monthly fees as well. All you need to maintain: a $100 daily balance in checking and $250 in savings.
Keep $2,500 in savings -- the yield matches that of the bigger banks, at 0.1% a year -- and you'll get the added perk of being reimbursed for charges when you withdraw from another bank's ATM.
Over 60? Sign up for TD 60 Plus to snag free money orders and bank checks.
TD Bank has branches in Connecticut, Delaware, Washington D.C., Florida, Maine, Massachusetts, Maryland, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Virginia and Vermont.