My kids just kept their regular Credit union accounts they’d had since they were babies. They’d added debit/checking accounts when they were teens. I was/am listed as a co-owner on their accounts, and since I have an account at that credit union I can transfer money or handle any problems (one has had her account number stolen and a fraud on it several times, so we’ve had to cancel the card and get a new one; just happened last week and she is home and working for the summer). The credit union has ATMs all over the country, some take deposits, but they can also deposit by taking a photo. One needed one check per month to pay the rent (to another parent) and the credit union runs them out for them on sheets of 4, so we didn’t even have to pay for those.
I like using the credit union/bank that I know and have a relationship with (I’ve been there almost 40 years). When there is an error, I call and they fix it even if it’s MY error! I used the checking account suffix for the tax payment, the CU paid it and then charged a $25 fee, but when we figured it out (I’d checked ‘savings account’ on the tax form, but the number for the checking account) and they waived the fee. I like a little customer service!
I lived and worked in another state for 4 years but always kept this credit union. With direct deposit and most bills paid online, I didn’t really need a physical branch of the bank. The ONLY time I needed a bank was to change coins into bills but I did that at Coinstar machines, and once when my daughter was going to France I needed to buy Euros, but I just ordered them online and that worked too (or I could have gone to AAA). There are work arounds.