Unless you already have accounts with the NAB I wouldn't open an account with them.

We HATE the NAB, if we ever get out act together we'll be switching banks. We have been stuffed around by them time and time again, people rarely return calls and a whole host of other things.

While most of our issues with them probably wouldn't affect an every day account I can't recommend them based on our experience.

Most of the bigger banks have higher interest rate accounts that are online only access, they would be listed on their websites.