I used to have a lot of credit unions as clients and always thought I'd end up using a credit union for all of the reasons stated above. But... the differences between banks and credit unions have narrowed considerably in the last decade.
When Huntington bought Sky, I thought that I would dislike Huntington, because I felt that Sky had always been a small town, personal bank kind of place. For example, Sky would give me loan proceeds before I would have title in hand on out of state purchases.
I had an account at Key and an account at Huntington, by way of Sky. I slowly moved away from Key and to Huntington because Huntington just kept being the bank that would give me what I needed. Over time, I have done several loans with them, refinanced a mortgage with them, and now everything is at Huntington. The personal attention from the bank manager is amazing. When I sold a vehicle, she even did free notary just as a kindness, and dropped the purchase proceeds into my account. We did the deal at her desk.
When I was buying a boat in Delaware, she waited for my call. After I decided that I was going to buy it, and sent the funds instantly to the seller's bank while I was on the phone with her. When I was buying a truck several hours away, she spoke with the dealer on the phone, who sold me the truck on my deposit alone, on her word that I was a pre-qualified client. Rather than drive several hours back to the dealer a couple days later with a check, I wrote a deposit check, signed a bill of sale, and drove my new truck to see my banker the next day to sign the loan papers. Who does that?
Would your banker vouch for you?
When it was all said and done, everything is at Huntington, I have free everything. Free checking, with free checks. Free internet banking with free bill pay. If I want to pay a payee who is not in their electronic system, they will print a check and mail it (postage included) for free.
I never expected to love a bank, but I do. I know my banker's number by heart, and whenever I need anything, she is there.
One more quick story. I recently wanted to purchase a vehicle that was older than what they will give loans on. (Just an unusually well preserved older car that I stumbled across decided to grab, as have a modest collection of cars.) But I didn't want to tie up cash at that time. My banker, knowing that I have other vehicles that I own free and clear, simply gave me a loan against a newer vehicle that I held the title on at a great rate. The same day, the funds were in my checking account.
I love their online banking and I use it every day. I can do transfers, monitor account balances, track my loans and interest, everything. It's like a financial dashboard.
Free checking, free checks, free online banking, free bill pay, and the best, old fashioned, get to know you service I have seen in many years. I love my bank. I would have never guessed that I could.
Good luck on your search and your decision.