The big thing that I like are alerts for charges over a certain amount. A few years back, I was using TD Bank and I happened to check my online account one day and noticed an $1800 withdrawal that I didn't make (I got lucky, because I don't check the account that often). I called them up and they said it was a mistake, but wouldn't explain how or why it happened. Well... no thanks... given that you pay me close to 0% interest anyway, I'll give someone else the privilege of holding my money. Since then, I maintain a minimal deposit at TD because I like having a bank with physical locations and moved the rest to Ally. Ally is nice, because anytime I have a transaction over $100 (which is an amount you can customize), I get a text message, so any funny transactions are noticeable right away (not that there have been any). This feature is a must-have for me now.