About Credit Unions, following up on lisa_marli's comment:
I used a credit union down here for a while, but they went out of business. It was before the CUs of the country got together and linked their ATMs. And before they offered online banking.
But all that has changed, a CU ATM card will work in more ATMs than a bank's card. Online banking is routine, as are Quicken download capability - That's a deal-maker for me, I get my transactions into Quicken every night. It has saved me from several attempted fraudulent charges and at least one attempted identity theft.
Last night I signed up online for a TechCU account. Maybe by the end of the week they will send me an account number, and I can start using it.