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My wife and I were with Wells Fargo for a few years and had the Premier Checking account. I thought over all the account was mediocre. The interest they paid on it was lousy. They do have a ton of locations which is very nice and convenient. Overall, they were pretty easy to work with once you got through all the up selling and additional items they wanted to tack on to your accounts. This was the main reason we switched to a credit union as we just needed basic banking as we keep our investments in other places and we were always being contacted for different products.
I have had a savings account with Emigrant Direct for many years. I have it linked to my primary checking account at my credit union. I mainly use this account as an emergency account. Setting up the transfer process was very easy and it usually only takes 1 to 2 days to move money between my accounts. The customer service has been very easy to deal with when I needed to setup a new checking account. They usually have tax information out on the site early every year so helps with doing taxes at the end of the year. Overall, it has been a good experience for what I use the account for at this time.
I've been with Schwab for roughly 5 years now, and have been extremely impressed. In that time I don’t think I have been charged a fee the entire time. I am able to use any ATM anywhere and not be charged any fees. I get free online bill pay, I get free checks, reimbursement of all ATM fees charged by the machine, and, no currency conversion fees (at least where I have traveled too internationally). I have called customers service a handful of times and always been very happy with the level of service provided.
My wife and I have been with Air Academy Credit Union since we moved here in 1999. I have always been very happy with the bank. Their locations are convienant to us. We have a checking account, savings account, and we have had a car loan in the past with them. They were very easy to work with through the car loan process and once it was paid off sent a very nice congratulatory note with the title of the car. Overall I have been very happy with Air academy since we have been members with them. The only thing I would like is for reimbursement of ATM fees since when we are out of town and need cash, we get hit with ATM fees.