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.