I like my credit union, no fees, good support (in person though...), easy to setup accounts. It's a little dated it feels like but the app is reasonable, with so many type of banking options I'm surprised people would use a bank with fees. I've been using Chime for years with no issues, online banks work for me just fine. I can understand a little more though when it comes to international travel because there tends to be more restrictions, I have a small chase account for international travel as the card just seems to work better but I rarely use that account and would probably close it if I found a better international debt card.