Opened an Everything Account online and the debit card showed up fast. App setup was quick, mobile check deposit works, and I like the small ATM fee reimbursements when I travel. Transfers between my accounts are clean, with no surprise maintenance fees. I don’t need branches, so limited locations aren’t a problem. For everyday use, it’s just straightforward and stays out of my way. Exactly what I want from a bank in 2026, reliable with a clean interface.