My bank recently sold/closed all operations in Texas and failed to tell me.
I found out when I went to deposit a check and the bank had been re-branded.
I decided to move my business to Capital One 360. Entirely online, BUT, I can use Capital One branches for some transactions.
Capital One and Capital One 360 are not the same institution. They are related, but not the same.
Here's what works for me.
1. I can deposit even large checks via their smart phone app. My old bank had a $1,000 limit on mobile deposits.
2. The ATM network is HUGE. All the piddly little ATM's in CVS and Walgreens, 7-11, grocery stores, etc seem to be on the FREE list.
3. All their online accounts are FREE, earn interest (even checking earns interest) and have no minimum balance requirements (as far as I can tell so far, please reconfirm)
4. I hate debit cards. While I did get some resistance and had to write an email to corporate management (my only gripe so far), they did eventually set my debit purchase limit permanently to zero $0. I can still use the ATM, but nobody can steal my card number and make debit purchases.
5. Their online bill pay is much easier / intuitive to use than any of my previous experiences, and I'm fairly tech savvy.
6. Phone support has been very good, and the wait times have been short. Phones have always been answered by an American voice (as far as I can tell).
I have always valued having a local banking relationship. In the past few years, even my business accounts have switched managers several times. I've given up on local relationships with banks, since they seem to have given up on having an handshake relationship with me.
YMMV.
