I have a Discover savings acct and one CD with them. No issues. Easy to use their website to move money when needed (which isn't very often). Savings acct limited to three or four withdrawals per month, so some prior planning may be needed. I also use TIAA bank and they are good at customer service when needed also.
I currently have Alliant Credit Union which is only on line, Been very happy with them for years now. No min on checking and savings ect..
Everything works seamless, 40,000 or something ATMs at no cost and you can even go to ATMs not in the network and they will pay the fee up to $20. a most for using the out of network ATM which is rare because their are so many of them.
Both checking and savings earn interest. But for the first time in years their rates are lacking after the recent rate increases. They have been raising them but so far Savings is only 1.8% which is a little behind the best. Though their CD rates are much higher.
Anyway, always had a favorable impression of Discover, used their Credit Card for well over a decade and I get the savings offers all the time.
Anyway, Ill wait to see if their rates catch up to the best and if not maybe consider a Discover account. I never had a reason too before this point in time but Discover was one, like my current that always stood out for honesty of not having hidden fees.
Your savings transactions used to be limited by law to 6 per month and banks were forced to charge by government.
Many banks will still charge that fee even though it is no longer required. I just checked Discover and they currently are not charging if you go over the 6 per month limit that used to be law. However they have not eliminated it and used the words "not enforcing"
I can see why, like everything government Discover is not sure themselves if they will HAVE to charge the fee in the future.
I thought Alliant still charges for this but cant seem to find it on their website anymore. One would need to confirm, I have never needed more than 6 a month in my savings.