Remember the banks are a business for profit. Do not be afraid to change as needed. Take a look at Bankrate.com Choose the one that works for you. I'll chase interest rates if it fits in my plan. Navy FederalCCredit Union is good. Look at Fidelity and Schwab for debit/ATM cards. I find it useful to have money in separate banks in case of any issue with one I'm not broke on the road.