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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.


If you never want to worry about ATMs, you’re best off using a bank that will reimburse third-party ATM fees. But if you need a brick-and-mortar institution with its own ATM network, Chase has 18,468.

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