USAA.

I don't know about sub-accounts, but you can easily make new accounts. When I got married I went online and made a new honeymoon checking account. Just a few weeks ago my wife and I setup a joint account online, which was super easy.

No ATM fees (in fact, they'll cover any fees you do have up to $15/mo) and I don't think I've ever paid a fee for anything. I also take pictures with my N1 of the checks that I need to deposit and deposit with my phone.

They're also always super helpful when I call. All in all, if you are eligible I highly recommend going with USAA.