I just filed my paperwork with the local credit union, and I’m done with big banks. The branch manager said business is booming over the Bank of America debit card fee. The advantage I see with big banks is technology — Citibank allows you to take a picture of a check with your cell phone and deposit it without going to the bank — but he told me they’re working on it now and should have that service within the next six months.
The thing they have that my big bank didn’t? I can make deposits with a debit card. Woo hoo!