I need help figuring out a bank account to switch to. Please read and help!
Right now I have a SunTrust checking account. Since they're instituting the debit card fee soon I've stopped using my debit card for anything other than the ATM and only use my credit card (not a big deal since I'm in no danger of carrying a balance -- to me debit and credit cards work the same way, just with different names and levels of protection against theft). I occasionally need to deposit or get cash, but mostly I'm depositing checks. Plus, it's a pain to get money into another account since I have to write and send a check -- electronic transfers cost $3/each. I also have a bunch of money just sitting there so I won't get fees for having too little money. I have another checking account I like better that I use for actual checkwriting.
The big issue is that my parents often deposit checks for me as well -- at least once a month. They can do this easily since my dad goes by a branch daily for work. They live several hours away. This account is basically still sitting here so my parents can deposit money, and I feel like it's being wasted.
I'm interested in switching to another bank which doesn't have the same fees, especially since I don't use the local branches for anything other than depositing checks or occasionally getting some cash, both from ATMs. Not interested in a local credit union since there's a good chance I'm moving within the year. However, I would like to have my parents be easily able to deposit checks for me. (Checks aren't always from them, so they can't readily replace checks with electronic transfers.) Would I be able to do this using an online bank? How easy is it? Any advice is appreciated! Clarification questions welcomed.