So now that we live in the West

we are trying to move our banks too. But we keep hearing that our credit doesn’t qualify us for a “regular” account. For example Wells Fargo gave us an “opportunity account”. Works like a checking account except that I can only spend 500 a day on my debit card. Not withdraw, SPEND. Also my deposits are held for three days, even if I am depositing a check drawn on a Wells Fargo account. Also its costs 15$ a month. WTH!? We have been with Suntrust for years and might just stay with them anyway. Seems strange to have a bank that is 2000 miles away though….