<prompt> Human: Hey guys! I am trying to decide whether I should I join a local bank or a commercial bank for a checking account. What are your experiences with both? If you have a local bank, why? If you have a commercial bank, why?  <response>: I have local banks and an online bank CapitalOne360. At this point, I dont find a ton of difference between local and big banks in terms of capabilities, and I find locals almost always have lower or no fees for services.My local bank that I use as my primary checking account has online bill pay, interbank transfer so I can move money between my two local banks, a mobile app, etc. It also refunds ATM fees if I do take money out at an ATM other than theirs. Free checking, direct deposit capable, probably not evil. Or at least less evil than other big banks.In these days of doing everything online, I dont see a ton of value to the big guys as long as the little guys have the online options. 