I need a new bank

[Korben Dallas]

That's nickels to your bank.
More than pennies but less than dimes.

True, it’s nickels. Not to me, so I’ll take my business elsewhere.

 

[H. Bowman]

Please ask the new banks policy on that before opening an account, and let us know.

I'd love to find one that doesn't prevent me from taking my own money as well.

 

[H3nchman390]

Look into Marcus by Goldman Sachs - they don't have Brick & Mortar locations, but its a Goldman Sachs product that have high interest rate savings accounts and CDs (definitely higher than the Big banks). Being a GS product, they're FDIC insured. I've withdrawn five figures out (takes a few days) but no questions asked. Gets deposited into my "primary institution" where I usually get a cashier's check (fees waived usually). Haven't tried a large withdrawal in cash though...

You would still need a "primary institution" to transfer/wire your funds in and out - for that I would suggest a local (reputable) credit union or a Big Bank that doesn't give you too much hassle.

This