“And then there’s the one reason to not switch:
convenience.”
It’s rare that I go to a branch anymore. With all the interlocking ATM agreements and online banking, there’s simply no need.
In general I’m only using ATMs, but all my ATMs are at branches, no need for interlocking agreements, no worries about fees, and if I actually need banking there it is. Also the presence of the bank makes it easier to know where there’s an ATM, I have no idea what ATMs in the world were co-operative with my CU or where they were, if I see a Wells Fargo sign I know immediate there is an ATM I can use.