This is utterly and completely wrong. Nearly all credit unions are members of a co-op that allows for shared banking. I signed up for a credit union in Alaska at their only branch in the lower 48 in 2002. They opened 4 more branches in Seattle but I moved to Los Angeles. Within 3 years they'd opened a branch in Victorville (100 miles away) which I never went to. After 9 years in Los Angeles I moved back to Seattle and there are now 4 branches within easy driving distance of me...

...but across three states and 14 years I've never paid a fee, transfers are instantaneous and my access to cash is dictated by my bank, not whatever the local branch is. In Los Angeles, I had no less than seven banks within a mile that I could use without any special need. More importantly, three of them had special 'shared banking' lines (Hollywood still pays most people by physical check, so this was important).

It's kind of funny that you cast aspersions on credit unions because they're local, but you're recommending a bank with zero physical locations.