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....USAA........no minimum......they print checks for free [ many banks don't do this anymore ].....I link to basic savings locally......then you can transfer funds to USAA for free.....if you need to deposit cash or checks immediate.....you deposit at the local bank then just transfer.....
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Does the CU have to be local?
We belong to a couple that are out of state, but use cooperating institutions for in-person transactions.
Works reliably enough, well, except the closest place (3-4 blocks) doesn't validate for the building's expensive parking lot, and the 15 minutes of free parking isn't enough if/when there's a line. The less convenient places validate. The benefits of the CU's outweigh any minor inconveniences.
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So I’d need to learn what kinds of out of are CUs don’t require and affiliation to be a member? USAA ... do they not have online check deposits? I haven’t walked into a bank or deposited at at ATM in a long time. When the odd check comes in my bank’s app snaps a picture.
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.....USAA has mail in deposits or you can take picture of check.......but if you have to deposit cash.......
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Also recommend a local credit union.
As my older kids moved away, the joint accounts I opened for them have made it really easy to send them money when they needed it.
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.....USAA refunds up to $15/mo in ATM fees......
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I reject your reality and substitute my own!