Whether you're looking for free checking or high yields on your balances, we've pinpointed the top options. iStockphoto By Lisa Gerstner, Contributing Editor From Kiplinger's Personal Finance, December 2014 As part of Kiplinger's annual list of the best personal finance products and services, we picked the top accounts at banks and credit unions. Be sure to see the complete list of our favorite investments, financial products, travel tools and more.Online bank Ally levies no minimum-balance or monthly fees on its checking and savings accounts, and it reimburses all ATM fees that other banks charge. Use the bank’s mobile app to deposit checks remotely. See Also: The Best Personal-Finance Products and Services Savings The GE Capital Bank Online Savings account pays 0.95%, with no monthly fee or minimum-balance requirement. Advertisement High-yield checking The Consumers Credit Union (Illinois) Free Rewards Checking account pays up to 5.09% on balances of up to $10,000 if you meet certain requirements, including making 12 debit-card transactions a month. Mobile bank Simple encourages you to bank from your phone. Built-in tools help you budget and track money in a no-fee checking account from partner Bancorp Bank. You can withdraw money free from a network of 55,000 ATMs. Credit union Alliant Credit Union has free checking and savings accounts with decent interest rates. Anyone can join Alliant by making a $10 donation to Foster Care to Success.