I need a no fee checking account that won’t get direct deposit and occasional use only. I’m moving out of TD due to checking fees.
Both AllSouth and Palmetto Citizens looked promising until I realized they don’t have branches in GA. Someone suggested Southern First but they have so few branches it would be a problem IMO. PenFed, again no branches. I’m currently in USAA and I’ve had a Navy Fed account before, but no branches.
Do you actually need teller services or are you just looking for free ATM access? If the latter, you might consider joining an online bank or credit union. There’s a list of common recommendations in the [banks and credit unions](/r/personalfinance/wiki/banks_and_credit_unions) wiki and most of them let you use any ATM for free (some have unlimited ATM refunds and some only refund $10, $15, or $20 in ATM refunds each month). USAA and NFCU are both on that list too.
If you need access to teller services (especially if it is just occasionally), another option is joining a credit union that’s part of the CO-OP Shared Branch Network, but make sure some credit unions near you are part of the CO-OP Shared Branch Network (and not just the CO-OP ATM Shared Network):
Have you looked into shared branching?
The day after Christmas a few years ago, I was over 2000 miles away from the nearest branch of my credit union and I needed to do some business. I found a shared branch from another credit union, and was able to walk in and execute whatever transactions I needed to. If I recall correctly, it was a Saturday, so the credit union was super busy. But I was able to take care of business. And the credit union was even walking distance from where we were staying.
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