Bank suggestions?

[darxus]

I am tired of Wainwright bank's many and varied incompetencies. I believe there must be better.

I want four simple things:

1. Good online bill payment.
2. Checking with a debit card.
3. A decent real credit card through them.
4. Accessibility in the Cambridge / Somerville / Arlington area.

I would appreciate recommendations.
I don't have a real credit card and I want one. I'm open to non-bank suggestions.