hehe , getting that name in LAN , right now <| sep |> Ally reimburses last I checked $ 10 month in ATM fees , so go to any ATM you want , and as long as you keep it at 3 cash withdrawals or lower each month , you shouldn ' t ever pay any ATM fees . I was in a similar situation recently . Moved and my bank didn ' t have any branches or ATM ' s in my new location . I got a Charles Schwab checking account they operate similar to Ally and haven ' t had any issues . The only problem would be if you received a large amount of cash , since there ' s no local branch you can walk into to deposit it . <| sep |> Apply at a real bank , credit unions tend to have conservative lending standards . <| sep |> Great ! I ' m glad it ' s that bright because I tend to doze off too 😅 hopefully I will get a good one rather than a lemon