<p>I have HSBC. It's all the way in Chinatown, but I can still get surcharge-free ATM use at the Wawas, and when I actually have to go to the bank for whatever reason, it's an excuse to go downtown :)</p>
<p>SFCU is bad, and the more I learn about their operation from insiders, the more it scares me. Stick with PNC.</p>
<p>i dunno, i have an account at both PNC and SFCU. there’s usually less hassle to deal with at PNC (except the one time they took an hour to open my dad’s account, my dad even fell asleep there lol) it’s also closer given that i live in the high rise. but then, being an international student, SFCU saves me a lot of money on wires. PNC charged me $20 for a wire from shanghai the one time i had my dad wire some money over.</p>