The problem with local banks is, as much as I believe that "too big to fail" is too big to continue existing, a bank that's too big to fail is also a safer place to put your money. (I know about FDIC, but I would also rather not deal with the inconvenience.) There's also the fact that Bank of Whitman only exists in Whitman County, so if I move or travel it's less convenient.

ING has nearly no fees at all.