In search of a checking account

In the past month I've been formulating some plans for my finances.
Part of that plan is setting up a checking account that will:

1. Facilitate the payment of bills (cellphone and landline)
   
2. Facilitate the payment of my life insurance plan
   
3. Act as a general savings fund

With the above things in mind, i sought out for a checking account, among the banks that are just around the corner from my house, that can fulfill my desirables:

1. Online services - enabling me to check on my account when I want.
   
2. Interest earning - I intend to use the checking account as a general savings fund, so it wouldn't hurt to earn a bit.
   
3. Reasonable maintaining balance - so I can already start with the meager cash in my pocket.
   
4. Additional accessibility (e.g. ATM) - just in case a check won't cut it.
   

Here's are the banks I researched on:

1. Citibank Savings
   
1. No online accessibility - bummer..
   
2. Will earn 0.5% per annum with an average daily balance of 20k
3. Maintaining balance of 10k
4. No ATM
   
2. BDO - Smart Checking account
   
1. Has online banking
2. Will earn 0.75% per annum as long as the maintaining balance is met
3. Maintaining balance of 10k
4. ATM available on additional request
   
3. MBTC - MetroChecking Extra
   
1. Has online banking
2. Will earn 0.75% per annum as long as the maintaining balance is met
   
3. Maintaining balance of 15k
4. ATM available
   
4. Citystatesavings - City Max account
   
1. Has online banking
2. Will earn 0.75% per annum as long as the maintaining balance is met
   
3. Maintaining balance of 1.5k (reads hella low!)
   
4. ATM available
   

I'm kinda leaning towards setting up the checking account with Citystatesavings because of the high interest rate and the low maintaining balance and the additional accessibility of an ATM.

You guys have any suggestions?