I just go to my Credit Union, within walking distance of my house...........😎
I live in the ‘boonies’, so my credit union is a good 30-40 minutes away. Unless I use my USAA account, which refunds fees back to me, and they don’t have branches anyway.
Your area is bigger and more commercial than mine. In my case, the credit union is a good 20 minute drive from my house, on a good day. We do have a small account at the little local bank just over a mile from my house. That’s where we get out a couple hundred at a time, and portion it out from those times.
I’m not paying an extra 50 cents unless I’m totally desperate. I work hard to make sure I’ll never be desperate. It may happen sometime, but I’m trying my best to avoid that.