Rob, I've ridden the TransAm four times now as a leader for ACA tours where I had to carry group funds in a separate account. The answer is there is NO one bank that you'll see more of. Even the BAC's and WFC's are rare and many are 10 miles off route so you wouldn't use them anyway. You'll never find a TD beyond VA.

Axoloti, that Schwab account looks like a good deal but if I'm reading the fine print right it must be an "Investor Checking Account" linked to a brokerage account to get the ATM rebate perk.

Machka and staehpj1 have the best suggestion....get cash back whenever you can from purchases to avoid fees. Just carry a debit card from your favorite hometown bank.