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Perhaps you work long hours and need a local branch that will be open on the weekends. Or maybe you travel frequently and wind up paying big fees because you can never find an in-network ATM. Banks are shuttering branches overall, says J.D. Power’s Miller, but there are still options that will be there for you when you need them—even if they don’t always offer the best account terms across the board.

WHY IT'S A WINNER

With about 6,200 locations in 39 states and D.C., frequent travelers can drop into a Wells Fargo almost anywhere—and branches are generally open 50 hours a week.

Here are Money's picks for the Most Convenient Banks of 2015-2016: