I do my banking at a small, home town bank. They offer everything I need including savings, checking, online banking, ATM machines scattered around town, debit card and credit card, all at no charge. I have been with them for years, nary a hiccup.
Do you pay any fees for that account?
It's the only way to go if you can find a good hometown situation.
Nothing like a living and breathing human if you have a problem.