San Diego's Mission Federal Credit Union has been my main checking and savings bank for many years now. i can't remember a single issue that has come up with them in all these years. they have low fees for the (ahem..) time or two (ahem) that I messed up something. there is no charge for basic banking, online bill pay, or direct deposit.
they have not had the best rates, however, for home and car loans, so i have never used them for that.
customer service is excellent and accessible by phone or email.