I agree that the big banks are not there for the 'little people'. We've used a Credit Union for years and LOVE it. Before that, I belonged to a local bank (that got bought up by a bigger bank and that was bought by a bigger bank). Even small banks have online banking these days. When you feel up to it, do a bit of looking around your area and talk to a manager of any of the banks that look good to you, about what they can do for you. In our area, there is a newer bank, Harrington Bank, that we've done some business with, they seem pretty good.