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> "I've banked at Wells Fargo since 2013, and I intend to close my 2 WF accounts and open up new ones at Chase soon."

you're just moving from one crappy, uncaring bank to another (i've banked at both in the past). a credit union or local/regional bank will treat you like a real human rather than a necessary inconvenience: https://www.bankrate.com/banking/reviews/

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Frankly, I'm okay with an uncaring bank. I would give more weight to the bank's accessibility (i.e. locations, ATMs, international charge fees, etc) and consistency/quality of service (app usability/downtime, good 1800 customer service).

you really only need one branch somewhere near you to do the very occasional in-bank stuff. mobile apps can be used for deposits and any atm can be used for cash (use non-big-bank atms to withdraw without fee). the atm network for credit unions is comparable to a big bank.

you don't get good customer service (via phone or otherwise) at a big bank, as they see it as a cost center to be minimized. smaller banks use good service as a differentiator/product enhancement.

but yes, international charges can vary a bit.

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