Large chain banks: Large banks usually have branches in most towns and cities across the country, which means you'll be able to get basically the same service no matter where you go. This wide coverage can help you avoid fees you'll have to pay for using other banks' services (like ATM fees, etc.) Large banks also usually have the resources to offer services like 24-hour help lines for their customers. In addition, these banks tend to have a stable, trusted reputation — they are unlikely to fail or present you with "surprise" difficulties.