Zero ATM fees (or reimbursement).
ZerEver. This is a major draw for other online banks. In my opinion, it would tick the third major box that you are missing. The other two are
1) a high interest rate on the savings account (of which
Hi! You'll be glad to hear that UBank doesn't have any fees or charges to apply or maintain any accounts. UBank also doesn't charge you any fees on our end for ATM withdrawals. We do also like to keep our bonus eligibility quite simple so we don't have too many requirements to allow for our customers to take advantage of the higher interest rate. ^Bikram
Also - the ability to edit my ideas as I accidentally hit finish! As I was saying...
1) high interest savings rate (of which your criteria are the easiest to meet to achieve the bonus interest)
2) zero account keeping fees
3) is what you are missing - zero ATM fees