There's this great web site for financial type advice:
https://www.bogleheads.org/forum/index.php
My story:
1 We hated our bank so decided to change.
2 My wife liked the idea of internet banking because it would be 'so convenient', I'm a skeptic so I ignored her but she and the young kids setup accounts online.
3 I drove around and visited the local banks to get a feel for them. A bunch were really bad, literally fronts to a phone to call corporate. The chase bank that is 10 minutes away is a lovely 60s building with a giant redwood out front, a george tsutakawa fountain, and parking. The folks inside are helpful. We talked and I setup a brokerage account and moved enough stock there to get some sort of premium account so I did it. If I ever have a problem I go to them and sit while they call corporate to get that thing to happen.
4 From what I can tell the online banking has been a bewildering experience for my wife and kids - they're constantly on hold and messing with stuff.
5 kids old enough, have jobs, in college, they needed better banking. I opened accounts for them and their accounts are free because they're linked to me. They love it, have opened starter credit cards, etc.
6 when interest rates started rising few months ago I moved 90% of my cash to the brokerage account and bought VUSXX, the vanguard treasury money market account. Pays market rate (currently 4.58% pa), is liquid enough for me, takes 1-2 days to turn it back into cash in checking account.
7 There are internet loss leaders trying to attract your business but I'm not going to switch to an office-less unknown for 0.5%.
I really like being able to sit drinking coffee and watching the fountain while the banker tries to convince corporate to make some sort of inane change. Better them than me being on the phone at home. Weird stuff only happens every few years but when it does I'm happy to have an actual person to see.
Every year or so they politely inquire if I'm interested in their investment managers and I politely decline.