A good brick-and-mortar bank offers competitive banking accounts and other financial products, reliable customer service and many physical branch locations along with a large, fee-free ATM network.

You'll also get access to over 80,000 in-network ATMs and up to $20 per month in refunds for out-of-network ATM fees. The account charges no monthly fees and there's no minimum balance required to ...

Citibank has competitive yields on some savings accounts, no overdraft fees and a wide range of products. It offers 24/7 customer service and more than 60,000 fee-free ATMs.

Large, nationwide ATM network. No minimum opening deposits. 24/7 customer service by phone. Cons. No overdraft protection program. No cash deposit. No branch access. Full review Full review.