<prompt> Human: I have been a Wells Fargo customer since I was 16 years old21 now and ever since it switched to a normal adult account they keep charging me fees since I dont have a that much money to keep in there and the occasional over draft fee because of their smart way of ordering transactions, I have tried disputing it with no success. Long story short I just got a promising job and I want to start anew in a bank with no fees and no smart ways to sort my transactions and make it look like I didnt have enough money to cover withdrawals, but if possible I would like one with the easy access of a big bankonline app, transfers to other banks, ATMs nearby etc. What are your suggestions?My short term needs are: -No fees for low balance-No overdrafts unless I actually spend more than I haveFor the long term:-Building my credit-Possibly a good rate on a small car loanless than 10k.I live the Philadelphia greater area in PA if that matters.  <response>: A lot of people will recommend a local credit union if you are opposed to big banks. Be warned, though: not all credit unions are created equal, there are some good ones and there are some bad ones. Both of the ones Ive used have unfortunately been bad ones.Be prepared to do research and read reviews, and accept that you may have to try a couple until you find the best one. 