By in large, you’ll do better with a credit union than a bank, they tend to have lower fees and better customer service, as well as strong community ties. I left BoA many years of numerous fees and run arounds for DCU, and after 10 years I’ve no regrets.

They’re not found up in Concord, but there are plenty with state-wide branches. Credit Unions are mostly networked, so there is rarely a fee to withdraw from others (used my DCU card at a CU in Orlando, no fee), plus they often refund such fees as well.