Coasts: Popular Community Bank

Branches: 68 in California, Florida, New Jersey, and New York

Why it’s a winner: Above-average yields on both checking and savings, with low fees that are relatively easy to waive. Also, while the bank has few branches, you can access cash free via the 38,000 ATMs in the Allpoint network.

Caveats: You need to maintain a checking account with a $250 balance to get the savings rates at right.

Standout Accounts:

Investor Checking

• Maintenance fee: $10
• Minimum balance to waive fee: $1,000
• ATM fee: $2
• Interest on $2,500: 0.10%

Relationship Savings

• Maintenance fee: $4
• Minimum balance: $250
• Interest on ...
  $2,500: 0.26%
  $10,000: 0.26%
  $25,000: 0.30%