We use Charles Schwab as the primary custodian for most of our service levels.
This Schwab checking account provides six impressive services not true for most local banks.
A little extra work can ensure that both spouses receive important email notifications from their custodian.
Schwab Charitable Donor Advised Funds make the gifting process easier.
As well as general online security, which includes a unique user name and password, and a system which locks you out if you guess the combination more than twice, Schwab has several optional verification methods.