Ally vs Alliant vs PenFed vs USAA checking

I am considering moving from a small local CU to a more established CU/bank, primarily because you have to pay for everything here, checks, debit cards, and ACH TXs take forever, and extended deposit holds. The other feature I am interested in is eBills, don’t know if it’s that good to have, but it would be handy to keep a tab and be current with my bills/credit cards. Also, free bank checks and official checks is the criteria I am looking for.

I have USAA, joined years ago as a non-military. Some time ago, they began cleaning up and kicking out for any reason non-military members. They closed 1 checking (because I rarely used it!?), but not the others. They closed my CC w/ over $15k just because. So I am a bit scared to establish with them, but I love the speed of ACH TXs.

I should add Discover, but it seems they no longer offer checking accounts. Is it accurate?

I would also add Navy Federal CU, I have a couple of accounts with them.


I am looking for a somewhat solid base checking account. Would you please recommend? Thank you.