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I thought I was covered, used on-line payments and banking since they were available. On a trip last year I needed Medallion signature validation and also some basic notary services. At home my community bank, whose service I was referring to, performed these free, of course.
On the road this becomes more problematic, also have to mail in checks, etc.
Switched to Bank of America. They do all the on-line stuff, you can deposit/withdraw, checks or cash in hundreds of kiosks, and brick and mortar banks country-wide, lots of places for notary etc services for members. Lots of plus's - works for me.
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