I like credit unions, but I recently left one after they started adding various fees. CUs also often do not have the resources of a big bank. I have been stuck in Europe before waiting for the bank back home to open because they blocked my debit card even after I told them I was traveling. The contract 1800 number could not fix my issue.

IMO, the current best banking experience is Schwab. Hopefully they don’t make dumb changes and screw it up.