I've looked at all the Schwab account possibilities and I can't tell enough to make an informed decision, so I'm hoping that other have input.

The accounts I've found are:

• Basic Checking
• Regular Checking
• Interest Checking
• Interest Checking Plus
• High Yield Investor Checking

The first four are on schwabbank.com and the last is on schwab.com.

The last one is definitely free (no monthly fee), but does require opening a brokerage account at the same time (not a big deal, but not really needed). It is also unclear what transfer methods are available into that account though. Wire transfers are expensive, so being able to initiate free ACH transfers (ala ING Direct) is a nice feature. The first 4 state "Yes" for "Funds Transfer Services" which seems to offer what I want (though there aren't any details).

The last two offer unlimited ATM fee reimbursement. The first 3 offer up to 6 reimbursements with a max of $9 per statement.

The most unclear thing is any fees on the first 4 account types. All of them say "Yes" in the "Ability to Avoid Monthly Service Charge" row. However, there are no details on what those fees are, nor how to avoid them (direct deposit, etc).

If people have experience with any of these accounts, input/experiences would be appreciated.