While you are technically correct, I don't think you should be so dismissive... a majority of Americans are using banks that DONT offer those things, so pointing them out is a good thing for people to hear, and to demand of the bank they use.
I didn't intend to come across as dismissive; apologies. I understand how it reads that way.
I intended to make a more general statement about relatively good banking products, while GP's note only talks about Schwab in particular. I.e., yes, Schwab is a good option, and there are lots of other good options. (Lots of bad ones too.)
I totally agree that a lot of people don't know these things or have good personal finance knowledge in general, and agree that raising awareness of what constitutes a reasonable banking product is a good thing.
