Online only banks have come a long way since their early days. Because they don’t have the overhead expenses of a brick and mortar building, they are usually able to offer much higher interest rates and more comfortable fee structures. No need to worry about security. Online banks have the same FDIC insurance as any other bank. In case you’re looking for one, here are 3 really good ones to get you started.

1. Capital One Checking: This checking account offers free fee ATM access to all Allpoint ATMS.
2. Simple Checking: This online bank has great customer service and aims to provide a budget friendly aspect for customers.
3. Ally Interest Checking: They have 24-hour customer service and was the only banking institution to receive perfect scores across the board on the Pew Charitable Trusts’ latest annual roundup.