Personal: Alliant Credit Union is our personal favorite. We are members and do our banking here. They have great rates on their checking and savings accounts. They're based in the Chicago area, but you don't have to live there to be a member: a simple donation to a foster care charity will do the trick, too.

If you'd prefer having a branch near you, we recommend doing business with a credit union - they're owned by their members instead of shareholders, so you generally get better rates and service. For personal checking and savings accounts, you should be able to find accounts that are free of any monthly charges.

Small Business: Novo is our favorite bank for small businesses and entrepreneurs. We use it for WalletWin and are very happy with their service and features. One of our favorite perks was getting $20,000 worth of payments processed without fees from Stripe. Use this link to get a $40 bonus when you sign up and fund an account.