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I use a small bank that only has two locations in the entire county but I was one of their first 100 customers when they first came to this area around 10 years ago and they have been good to me. I rarely go into the actual bank as I pay all my bills online and my paycheck and pension is direct deposited. If I need cash I go to the ATM at Publix where I don't get charged or just get cash back.
We use CitiBank 2% cash back CC for EVERYTHING no need for cash or ATM. But if we need cash for the rare occasions they do not take the CC we use Ally Bank with access to many free ATM's. Have a local bank for a safe deposit box. Direct deposit into Ally, most bills are electronic to Ally or Citi card. In the past 2 years we have been in a bank 2 times, once to set up the safe deposit box and once to put stuff into the box.
I'm still with my local bank that has only a handful of branches. I have lived anywhere from 50 miles in the surrounding area, but stuck with this bank as I do online banking. For a long while, I was using debit exclusively so that I could get a paper trail, or e-trail, for my personal auditing purposes. Later I ended up getting a credit card that was offered by the same bank that owns my brokerage firm, whereby I get 1.5% cash back on all eligible purchases. This bank links the credit card directly to the brokerage account as part of their cash rewards program, so all my cash back rewards go there; the rewards are tax-free.
I could switch my checking and savings over to the bank that issued the credit card, but they don't have local branches in my area, and I haven't been that inconvenienced with the local bank I'm still using.
ATMs: Rarely if ever use them, so if I do have to use another bank's ATM, the fee isn't that big of a deal (maybe a few times ever every couple of years or whatever).
Fidelity since the reimburse atm fees and Wells Fargo is also good because they have ATM's just about everywhere we go within the US as well as credit unions for higher interest. My suggestion would be to have accounts where you get the most interest and also a bank that has atm's all over where you live and travel or just use Fidelity, then link them all online for free online transfers to each other and try to think ahead whenever possible.
I use my Fidelity Visa credit cards for just about everything and have all our bills on autopay, so rarely need to use an atm for cash except when we are in the Philippines, then cash is king and the only thing they take in smaller places but the big places take my Fidelity Visa, so I make 1% on all purchase since Fidelity charges 1% for foreign transactions and the card pays 2%. Cap One cc also is free to use overseas, as for paying them, they are linked to our accounts, so paid online, why use much cash in today's world.
I;m with Beneficial Bank and considering getting a new bank since they only have 2 ATM's near where I live. I also have a online savings account and working opening up another one before the summer.
To be honest, there is almost nowhere I go where I need cash. Save for a trip or two to Vegas each year I don't even carry it around with me.
Certain stores I work near have a .50 processing fee to use my credit card and I like to have cash when I go in those types of stores.
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