<prompt> Human: I make a little over 34k a year, I have a WF bank account, but thinking of switching to another bank because of problems and flaws that I have. Who would you guys suggest for me Im 23 and I want a bank for the along haul.Edit: after some research Im leaning towards Schwab Online Banking for a savings account. Still researching checking accounts  <response>: Reddit has a boner for credit unions, but in my experience youre almost always leaving something on the table when you go with the smaller ones. CUs with national presence like USAA or NFCU are awesome but they have the resources of large banks and specific membership requirements. I vote Schwab. 