When I first moved to Ca. I had an account with BoA. Lasted about 3 months, customer service was terrible and the fees were horrendous. Credit Unions are the way to go. I belonged to a company credit union when I first got into aerospace, They became a bank when the business that they were a CU for was bought out by Goodrich Corp. in 1998. I stayed with them through that transition, they are a nice little bank with assets just below 1 billion. Smaller banks are second best to CU's. Big banks suck.