You've described any bank worth being a customer of. Monthly fees are a huge red flag (even if you can avoid them with hoop-jumping). USAA (just for ex.) also reimburses ATM fees. I'm not a fan of "overdraft protection" in general, but maybe Schwab provides a relatively non-predatory version of it.
Citi's nickname is "shitty." I forget what put me off about Simple but in general debit cards don't enjoy the strong consumer protections that credit cards do in the US.
Citi's nickname is "shitty." I forget what put me off about Simple but in general debit cards don't enjoy the strong consumer protections that credit cards do in the US.