These days a regional bank will have robust online and call center services and probably refund any ATM fees. Unless you need a ton of cash real quick (which i

These days a regional bank will have robust online and call center services and probably refund any ATM fees. Unless you need a ton of cash real quick (which is rare and getting rarer) it's perfectly convenient to keep using your regional bank even if you've moved across the country. If you do need the cash you call them and have them raise your ATM limit for a day. The overall amount of inconvenience per year is equal or less than dealing with some big stodgy national chain.