I have a checking account with Bank One. Of course, the nearest branch is in Arizona. But since Bank One is the official bank of DisneyLand, there are 3 Bank One ATMs at the Happiest Place on Earth, which I think are the only Bank One ATMs in southern California.

I have a couple other checking accounts (one with Citi) that make finding a no-fee ATM much easier when traveling than if I only had one checking account.