The ultimate checking / bill pay account for manufactured spend needs

I’m hoping the collective group can help identify the ideal checking account characteristics for manufactured spend needs and suggest banks with said characteristics.

Some suggested characteristics to start:

  • Offers electronic billpay (push not pull) - does Chase even offer electronic bills?
  • Able to pay the credit card balance in full (not just minimum payment)
  • Able to auto pay cc balance on date due
  • ACH Hub friendly


  • Offers top tier savings account
  • Rebates ATM fees
  • Mobile app
  • Electronic check deposit
  • Electronic MO deposit
  • Can initially fund with a cc

Any characteristics I should add? Any banks come to mind that meet the majority / most of the characteristics?

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