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I'd accept something that waives a mostly fee with direct deposit, like some have always done. Strictly transactional, so low balances would be kept. I don't have a situation that would qualify for a credit union membership.
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Where do you live? It can be nice to have a local bank.
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AMEX Serve is a fee free debit card, one that doesn't require a pin input when using. Acts more like a straight up cc than a debit.
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Suntrust (now Truist). I've been with them for many years.
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I’m using BMO Harris because they gave me a signup bonus but they’re also nearby.
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....I'm checking [ right now ] and will get back to you......
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No CUs are local but we do have some small local banks I'll look at. I think I did this exercise about a year ago and wasn't impressed with the locals for some reason.