Thus we kick off our best bank offer awards for 2011.  There have been significant changes to the banking landscape in the US this year, thanks to idiotic regulatory changes brought to you by an idiotic Congress and executive.  In any event, some banks rise above the fray and they should be honored.  In any event, without further pause our best bank of 2011 is…

Charles Schwab Bank

Despite having no retail locations, this bank takes the cake for its attractive checking interest rate, free everything, ATM rebates, and now iPhone and Android smartphone apps for depositing checks.  Above all else, the customer service is top notch.

Congratulations Charles Schwab Bank.