The Davis Square Community

I absolutely love Boston Private Bank, which is outside of your location range (their in Kendall) but fullfills all your other requirements (except bill pay is $5 a month I think). They are incredible professional and don't bother their customers with lots of paper work. They have a very fancy look (marble interiors, brass teller station), but are really friendly to me everytime I show up in dirty jeans and sweat-stained T's. If you don't want to have to go there all the time to deposit checks you can get free envelopes from them to mail in checks. Anyhoo, I've also used Wainwright and I feel like everytime I've had to do something out of the ordinary it has been sort of a hassle -- this has never been the case with BPB.