Originally Posted by JGordon

Maybe open a checking account at a bank with ATMs closer to you? Most banks will have free checking accounts and free ATM transactions. Even if you only use it to cash checks occasionally and still do most of your banking at your credit union, it'll be free and a lot more convenient.

Hell, I've got a credit card, auto loan, and savings account at a credit union, a credit card and checking/ATM account at a different bank, and another credit card & money market at a different bank. Some are for convenience and location and some are for good terms/APRs/whatever.