Two words: CREDIT UNION
About twenty two years ago, when my wife and I were still in our mid twenties, we got jacked around by Big Mambo Megabank of Texas. The asshats refused to deposit our income tax refund because my asked for $20 back on the depsoit ticket and I was not "present" to sign the refund check - as I have signed it in adavance!
Please, I opened that account when I was nine and when we got married we just kept using it. When I complained to one of the "officers" he told me that I should just bank elswhere. Fine, so I took my $400.00 out and moved to the new Credit Union down the street. Free checking, no fees, interest rates for loans are phenominal and the interest they pay is just a fraction better than everyone else. Not that I'm wealthy but at this stage of my life my deposits now are fairly sizable. I'll never do business with a bank again.