I haven't had a local branch for my credit union in over 13 years. I get money from any ATM I want and my bank reimburses any fees. My credit union is owned by it's members which doesn't give it perverse incentives to screw ourselves over. I've been able to scan my checks from home since before most big banks had mobile apps. We've gotten emergency loans from them expedited on a Friday afternoon to cover surgeries. Good banking does exist, you just have to take the time to actually look for ones built on values instead of greed.