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I second Bank of the West. Okay, they don't have ATMs everywhere, but there are enough; and in my area, they've put free-standing ATMs in towns where they don't actually have a branch.
Bank of the West is a consumer bank, which makes most of its money off small depositors, small investors, and small loans. So like Wax-off says, they don't try to nickel-and-dime you with fees, because that's not a way to make consumers happy. And if there's a problem of some sort, they don't automatically put all the blame on _you._ They try to work it out.
At any rate, after many years with Bank of America, I feel positively warm and fuzzy about Bank of the West. And yes, the online banking system is good.
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