If you are in PA and eligible PSECU is great. I've heard great things about PenFed although they are very conservative.
DeadSpider,
Sounds like you need a bank replacement solution. I think Alliant has good bank replacement product. I believe they participate in the shared branch network where you can go into participating CUs and bank there. If you do most of your banking remotely (ie via phone/internet), lots of good national CUs such as Alliant that work well. Their policies on check clearing and lack of fees is great. Just make sure anyone you are considering has good ATM policies (in a lot of ATM networks or foreign ATM rebate policy), participate in shared branch CU, and hopefully have the remote check deposit via internet/mobile phone where you can deposit check by taking a picture of it.
Other option that looks interesting is US Bank. I just opened an account with them to take advantage of their bonus to CASH+ card. Looks like fees around gold package are waived if you have auto pay connected to one of their credit cards. You could get CASH+ card which is great and the gold package. However, as a warning, US Bank hard pulled my credit sometime during the join process even though banker said they only soft pulled when I asked specifically about it. However, the problem with big banks is that their fee policies can change at any time. While a CU is unlikely to implement fees in the future.
LIMITS IN CARD DESCRIPTIONS
I am an alliant member and I love them!
(edited because I hit the wrong button)
Alliant is aligned with other CU branches.. here in my area I can either drive out to their location, go to PSECU or even Bellco. They have a spot on their website where you can find fee free ATMs, but that also lists banks and CUs that you can use for ATM or accepting deposits. That is helpful because I tend to do cash deposits with them and I dont' like to do cash deposits via ATM or mail 
I also would recommend PSECU if your from PA.
