Ally is what I'm using. 1.75% saving account. 0.1% interest on checking account. No minimum balance. They pay all withdrawal fees. They don't have physical locations but I never used them anyway. Phone service is pretty good.

I have started getting in the mindset that I'll just open accounts wherever makes sense for different services. With internet banking there's no need to get everything from one provider, opening new accounts is easy and there is no need to stick with banks that behave like this.

Even if it's too much hassle to close the bad account right away it's pretty easy to take the first step and drain it to the minimum required balance.