I only recall 1 over the past 21 years and it was straightened out right away. This happened before we had direct deposit on DH’s travel expenses and right after they merged with Barnett Bank. I tried to do the deposit at the window–“new” teller, she was from Barnett and refused the deposit. It was an expense check and an escrow refund check from BOA. I wasn’t taking any money out and the reason I always did the window was so I wouldn’t have to unload 3 kids. Once I spoke to the manager, it never happened again.
I do have a credit union account–savings and that is also the bank we are using for our new business. I haven’t used the credit union account out of the country, but my kids have used theirs when traveling to relatives out of state.