[sparky]

Many credit unions are part of a large co-op with lots of no-fee ATMs all over the place ( http://co-opatm.org/ ). You can also deposit checks/cash at many of these ATMs. They may not be on every street corner like major banks are in some cities, but chances are there's one near you. Some of those credit unions will also reimburse all your ATM fees if you use your debit card a certain amount (for mine, it's 12 transactions per month).

[a3n]

Yes, credit unions are an excellent middle ground between mega banks and local small branch banks. Just use one that's part of a co-op and most people won't have any problem at all. YMMV.