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Why it's a winner: You can avoid out-of-network ATM fees and earn a nice yield on checking. Plus you get a 0.5-percentage-point discount on home-equity lines of credit and a 0.25-point discount on personal loans if you set up automatic payments from your account.


As with many banks, you’ll need a minimum balance to waive the checking account’s maintenance fee.


367 in Illinois, Michigan, Ohio, Pennsylvania, and Wisconsin

Standout Account

Reality Platinum Checking

Maintenance fee: $15
How to waive the fee: Keep a $5,000 daily balance.
Outside ATM fee: $0
Interest on $5,000: 0.05%

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