I looked through that list of “can’t-do’s” and was just amazed you’ve put up with them for so long. I also would hesitate to go with either of the major national banks you mentioned – you already know of my profound hatred for Chase so I won’t go on that tirade. I have pretty much the same feelings about BofA for some similar reasons. But have you considered a national credit union? DH has had his money with Boeing Employee Credit Union forever, which is a regional credit union based here, and he never had any of the issues you mention with travel outside the state. Heck, he was spending money hand over fist in Manhattan a number of years ago when we went to a family reunion. Pbcloans.com – no credit check needed for online payday loans and there’s got to be some regional credit unions down there, particularly since Texas touts itself as the second biggest state, which you could tap into. Also, it used to be that a lot of these credit unions were restricted to employees only, or their family members, but that requirement has been lifted for a lot of banks. One more thing – there is a national credit union network, such that if you have membership at one credit union, you can do most of your banking at ANY credit union within that network. So for instance, out here, I have an account with Qualstar Credit Union (a very small state credit union for employees of certain companies), and then the Boeing Employees CU. I can go to a branch of either, and do my banking for that other CU. Hope that makes sense.
After all the issues I had with Chase, and a few similar issues with BofA, I’ll never bank at a regular “bank” again. I’m a credit union gal from here on out. But in any case, I hope you find something that works for you.