My credit union has almost everything a “real bank” offers. They have a network where you can do banking operations through many other credit union offices and ATMs are free to use across nationwide CUs. If I have to use a non CU ATM I get refunded the charge.

About the only thing I miss is the ability to send foreign wires. For that Discover bank online checking does that.

It’s honestly a much better experience that when I had my old WF account.