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Use a credit union.
Is not a cure-all by any means, they have their own problems
Did you know that a bank is specifically forbidden from taking money from a checking or savings accounts to satisfy a payment owed without your express authorization if you also have a loan/credit card through the same bank?
Did you also know that CUs are exempted from that consumer protection regulation? That's right and many of them exercise their ability, I learned this the hard way, when MF'in NFCU ripped a 300$ payment out of my account that was 2 or 3 weeks late on an unsecured loan (it wasnt even a couple months) and screwed over my ability to make my rent that month.
They also have the DUMBEST online account security practices. "We can't have you set your own username for "security" so you'll have to wait for us to mail you a letter with a user ID on it, oh and to log in for the first time you'll have to wait another week for us to also mail you a new account pin"
CUs might be a tad better than banks, but they are NO savior.