I bank at Chase (formerly Bank One) locally. I have both a savings account and a checking account though I really only use the savings account so that I can get cash through atms. I have never had a problem locating a Chase atm and since I refuse to use a different atm and pay a crazy fee, this is very useful! I have used a variety of branches over the past 6 years and have always had good customer service. When there is a line it usually moves fairly quickly.