I guess it all depends on what you are looking for. I work for a large regional bank and I'm thinking about opening an account at a local bank just for access to cash if I need it and not having to pay ATM fees. Why not Citizens First? I know, the big bad developer owns them. They have ATM's everywhere in the Villages and you can use the Presto ATM's at Publix supermarkets.
If I were looking for a CD, which I'm not, I'd use either a digital bank or open a Fidelity account with a debit card connected to it.
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