My local bank is merging with another local bank. All fine, but I kinda want to diversify a bit, and I don't need a brick and mortar for that. It's far from me having too much to put in one place, but more that when one has some sort of computer problem or my card gets eaten/corrupted/whatever, I'd like an alternate plan besides the credit card. So just looking for something simple like online checking. My primary concerns are simple ease of use online from a PC, the ability to use networked ATMs in NY State, and no to low fees. Don't care about interest or perks, I won't have enough in that account for it to make any difference.