Anyone here have any experience with State Farm checking? They seem to have 2 types of checking accounts:

Basic, which requires $25 opening deposit, but no minimum balance or monthly maintenance fees. They don't charge ATM fees, and refund up to $10/month in ATM fees, worldwide. (So even an ATM fee assessed by a foreign bank would be refunded.) If you set up direct deposit, then all ATM fees are refunded, not just the $10 cap.

Interest, which is basically the same, but requires a $1,500 minimum balance I believe.

It's fully an online bank, though some types of basic transactions can be performed by a State Farm agent (insurance).

It looks solid, and better than Charles Schwab, as they also refund international fees. And although Schwab may have higher interest or the advantage of brokerage accounts, if those don't interest you (I don't use that brokerage account at all, and I earn higher interest with Ally anyways,) then State Farm seems like less of a hassle actually, as I don't have to deal with transferring money between different account.

Any knowledge?