November 5 (as in Guy Fawkes Day) is Bank Transfer Day, a movement to take funds out of banks that received bailouts and move it to either independent local banks or credit unions (I favor the latter as credit unions are non-profit organizations).
Sadly, though I’ve known about it for a week or two, I haven’t yet gotten my act together on this, so I’ll be taking care of the move over a couple of weeks.
Many credit unions now have big-bank features like online bill pay, etc.
This site will help you find a credit union.
One of the coolest features of credit unions? You can deposit and withdraw from CUs that aren’t yours if you get one that’s an affiliate with the CU Service Center Network. Many 7-Eleven stores and all Co-op network locations have free ATMs.
Many have one “loophole” way to join if you’re not otherwise eligible. For example, Stanford Federal Credit Union lets you join if you’re a member of Friends of the Palo Alto Library (membership costs $15), and (last I checked), they would open your account and add the membership at the same time. While I’ve kept up my membership in FPAL (it’s the next town over for me, after all), it’s not necessary to do so.
Hope this helps!