Credit unions used to have some limitations, like no national or regional reach, but now they link their ATMs in networks together, and depositing a check is as simple as taking a picture with your phone. They’ve given me good loan rates, relatively good interest rates on checking accounts and CDs, and I always get a human when I call. Your money is insured up to $250k through the NCUA, basically the credit Union version of the FDIC. And you own part of the credit union, and the income stays local. There probably isn’t a perfect financial institution, but credit unions can be close.