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I currently have my Biz (corporate) checking & money market at First IB. Is there a better choice?

My Needs:
1) I'd like to be able to perform an automatic ACH transfer from my corporate account to a personal account twice a month (that's my salary).

2) I'd (obviously) like to maximize interest and minimize fees.

3) I'd like to have the option of online bill payment. First IB charges 33¢/transaction for this on biz accounts.

4) Financial strength is important. I don't want to have to move my Corporate account around because my bank goes out of business.

Thanks,
Bruce
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