After some long consideration, I finally made the jump from Ally to BECU.
Ally Bank was very good to me for the last year but the lack of physical branches with the ability to make cash deposits and money orders was slowly becoming a dealbreaker.
BECU offered me the best Checking account they offer which includes ATM Fee refunds (the reason I switched from Chase to Ally). BECU also offers mortgages, car loans, low rate personal loans and low rate credit cards (9.15% APR) which I know I can and likely will take advantage of at some point. I'm super excited to build the relationship with them for the years to come.
I got my Debit card (my actual debit Mastercard) within minutes while at the branch, which was honestly really cool. Deposited $200 via the deposit ATM, and initiated electronic transfer for my checking, followed by my emergency fund and general savings once checking clears and posts. It was a painless, 5 minute call in to verify me for Apple Pay on my phone and watch (as opposed to a week long process with Citi).
One downside is I am taking an APY hit on my savings account, though I really am not concerned with it, as I only keep emergency fund and general savings (big purchases) in the bank, which I'd much rather have instant, 24/7 access to. All other saving is in retirement accounts or a Vanguard brokerage.
I really don't have any bills (other than credit cards) that come from ACH, either they are billed to one of my credit cards or my Ally debit card, so switching everything should be pretty painless.
This whole "adulting" thing is fun 
