ING-Diba is an online bank, offering a free checking and savings account, as well as a visa. They offer a 75 euro bonus to sign up with them, as well as advertising a particularly favorable overdraft rate. They are a guaranteed free account by Stiftung Warentest, with no hidden costs and a credit card with no annual fee. They offer a student account with special account management, as well as a 500 euro overdraft.
Visit their website for more information.