Difficulty: Moderately Easy
Step1
Open an account in Bank of America this bank offers everything you need in terms of your financial needs.
Step2
You can check an online bank called HSBC, this bank offers free checking also and you can easily apply with a credit card with rewards or rebates.
Step3
Citigroup also offers online banking with free checking direct deposit. But sometimes promotional offers expires so you have to see if this bank still offering free checking.
Step4
Always compare which banks offers the best in your financial needs. Look for banks that offers lowest interest rate like annual percentage rate, purchase charges, cash advance charges, and inactivity fees and also balance transfer rate to consolidates your debt.