> All doing just fine.

I think it may be too early to claim this. I think we can only judge these companies' well-being (especially with respect to their recent controversies) on a medium- to long-term scale.

I've banked at Wells Fargo since 2013, and I intend to close my 2 WF accounts and open up new ones at Chase soon. If I could remove my information from Equifax or another credit bureau, I would. By all standards, these companies are "doing just fine" at present. But what about 5 years from now, 15 years from now? The damage to a companies' reputation and the impact it has on consumer decision-making can be slow-moving and hard to notice/quantify.

> "I've banked at Wells Fargo since 2013, and I intend to close my 2 WF accounts and open up new ones at Chase soon."

you're just moving from one crappy, uncaring bank to another (i've banked at both in the past). a credit union or local/regional bank will treat you like a real human rather than a necessary inconvenience: https://www.bankrate.com/banking/reviews/

Frankly, I'm okay with an uncaring bank. I would give more weight to the bank's accessibility (i.e. locations, ATMs, international charge fees, etc) and consistency/quality of service (app usability/downtime, good 1800 customer service).

you really only need one branch somewhere near you to do the very occasional in-bank stuff. mobile apps can be used for deposits and any atm can be used for cash (use non-big-bank atms to withdraw without fee). the atm network for credit unions is comparable to a big bank.

you don't get good customer service (via phone or otherwise) at a big bank, as they see it as a cost center to be minimized. smaller banks use good service as a differentiator/product enhancement.

but yes, international charges can vary a bit.