> there are plenty of options with minimal to no fees accounts.
Do you have some options that have no strings (like minimum balance) attached?
Do you have some options that have no strings (like minimum balance) attached?
Instead, try local credit unions. As an example where I'm at, Indiana Members Credit Union has a checking account with all the normal perks of a checking account and no fees. And credit unions work together with the major banks to give their members access at most ATMs.
In any capital one branch you can make a deposit/withdrawal with your 360-checking account. If they give you freedom of online-banking it doesn't mean their branches magically become unaccessible to you.