"Big Bank has ATMs and branches everywhere."
I have FREE access to 80,000 ATMs through my credit union, or in the unlikely event I don't have one close by, they will also rebate up to $20/month in ATM fees. Having lots of branches used to be a necessity but nowadays you can do just about everything on-line or by using an app on your phone.
On edit.
Interest rates are awful compared to 10 years ago. But the flip side is low loan rates. Can't have everything. I am getting 1.00% on savings and .7% even on my checking account from my credit union.
