One that I've been using for close to 20 years kept getting bought out. Back when all I had was dial up internet, I found a place called CompuBank. Web only, no branches. That was fine for what I was doing at the time. They lasted for a while, then got bought by NetBank. They were pretty good too from my point of view, but only lasted a few years before ING stepped in. Then it kind of got screwed up. I stuck it out for a while, and as I was about to move on from them, they sold it to EverBank. These weren't really outright sales, rather more like takeovers before failures. EverBank worked out well for many years. I could do almost everything I wanted without fees of any kind. They even refunded ATM fees charged by other banks.
A couple of years ago, they merged with something called TIAA, which isn't even a bank. It's some kind of teacher's organization that deals in retirements and investments. They screwed it ALL up bad. A formerly professional looking and operating website turned into something that looked like it was designed by third grade drop outs. All kinds of silly colors and whirling, spinning, sliding things. What I used to be able to do on one page suddenly took four or five pages. Something as simple as changing the address of a payee --- one page for the name, another for the address, a third for the city and state, then another for the account numbers and on and on and on.
As far as low balances, I keep a couple of accounts that way deliberately. They may only have a couple of hundred dollars or less. I do that in case they get compromised of a bill pay acocunt gets messed up. I can be less worried about losing too much. But that's also why I need the account transfer ability without fees. I transfer money into those small accounts as needed to cover pending transactions and I may do that a few times a month. I can't get hit with a fee every time.
