Farmer's and Merchants State Bank as a checking product called rewards checking. It is great.
Qualifications:
1. 12 debit card transactions per cycle.
2. 6 minimum online payments made from account per cycle

Benefits:
1. 3.5% interest rate (find that on any standard savings account)
2. no minimum balance
3. foreign ATM charges are reimbursed up to $25 per cycle

I love it.