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Depends how savvy you are with tech, I'd say. I have banked with USAA for about 30 years now; they're almost fully "online" (as in there are almost no physical bank branches anywhere), so I've been doing the "online banking" thing longer than some people.
Point being...online banks generally offer you much better interest rates than most big building banks do. Aside from the potential headache of filling out a couple forms to move whatever direct deposits you may have set up, opening an account is effortless. I just opened a Sofi bank account yesterday in under 3 minutes--it's not hard.
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Guy
'87 944 (first porsche/project car)
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