<prompt> Human: I currently use a small local bank but Im moving to the west coast and they dont have branches there. I will have to switch banks at some point so I can cash checks and not pay extra ATM fees every time I withdraw money but should I wait until Im out there to do it or should I open an account here with a national bank say BoA before I move?  <response>: Check out Schwab, ally, cap one 360. A lot of online banks have no atm fees and sometimes lower international rates. Higher interest rates as well. Also every acct change can be done over the phone or online. You can still get cashiers checks overnighted and wires done with the bank like a physical bank would. Ive never run into an issue that I had to go anywhere physically and couldnt be done easily by the bank with an app or a phone call. 