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I'm in the market for a new checking account and hope someone can point me in the right direction. I need (not in any order):

- Free checks (I write about 2 or 3 paper checks a month)
- Ability to direct deposit.
- Need to be able to move money to Emigrant and Vanguard, would like decent turnaround on ACH.
- Debit card
- Free or Cheap ATM
- Overdraft protection
- Online access including statements.

I'm most interested in a) low or preferably no fees and b) excellent customer service. Thanks in advance for any words of wisdom.
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