Comment by xp84

Highly recommend this approach. My personal approach has been, for almost 20 years, to have one checking account as Schwab, and the other at a credit union. Schwab has superior offerings for most things, refunds all ATM fees worldwide, and is easy to get on the phone if I have any issue, and the credit union can handle those once-in-5-years (for me) kind of in-person situations like getting a cashier's check, or if I wanted $500 in $100 bills for a gift, etc.