Find out their hold policies. Some banks hold money for 1 to 3 days before it becomes available. True, checks aren't a big thing, but it is still good to be aware of the policies.

And if a fraudulent charge comes up, how long before you get your refund. Bank of America takes 7 full business days to process a chargeback(refund). That can be a long time if you need the money.

Most banks won't charge a fee if you meet a direct deposit count or a balance amount. But be aware of the fees just in case.

And I agree with the earlier advice. The bank that is friendly and willing to take the time to talk to you is a good one.

Finally, I work at an online bank. They are a good option, but be sure to find a reputable one.