I use BofA simply because they have more ATM machines around here than everyone else combined. I always have at least $50k in my savings, so they tend to treat me fine.
Online banking really differs, I've found, based on where the money is going. I have one credit card that usually takes about 4 days to show that I've made a payment, but Amazon and such usually post within 24 hours (usually less). Customer service is fine. Returned check fees? I have no clue. I only write checks when I have more than enough in my account.
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