First Internet Bank has a Money Market Savings account that offers a competitive APY. The account also has an ATM card and doesn’t charge a fee for incoming wire transfers.
The Money Market Savings also refunds up to $10 of monthly ATM surcharges.
It is not clear whether the bank offers check-writing privileges. The bank didn't respond to Bankrate's email requesting this information.
You need to keep an average daily balance of $4,000 to avoid the $5 monthly fee.
Other accounts may offer a higher ATM surcharge rebate or better ATM benefits.