Wells Fargo and BofA have earned a negative reputation for "the big banks," but in my experience, Chase and Citi are perfectly fine ACH + ATM utilities. (YMMV if you aren't the kind of customer they want, i.e. playing close to $0 or making weird high-volume transfers).
Regardless of customer service concerns, the rates on other financial services are simply more favorable at specialist firms. American Express for rewards credit cards, Vanguard for investment, Marcus or Ally for cash savings, etc. A local bank or credit union with impeccable customer service around a full suite of services is still probably not worth the money you're leaving on the table.
Regardless of customer service concerns, the rates on other financial services are simply more favorable at specialist firms. American Express for rewards credit cards, Vanguard for investment, Marcus or Ally for cash savings, etc. A local bank or credit union with impeccable customer service around a full suite of services is still probably not worth the money you're leaving on the table.