Elements pays 2% interest on checking with better terms than any other I could find. They also have great HSA benifits with the option to move money into a TD Ameritrade account for investing. I've searched for hours over months and couldn't find better terms. I've been with them over two years and love them. They really seem to believe in the best terms for members. You can join no matter where you live. The only things I'd ask them to improve are payouts on credit cards and better webpage technology. Their web pages are good, but could be better.