TD bank has branches but that's not super helpful if you're at the airport. the helpful thing is having a "relationship manager", someone you can call or email directly - you can get that at a big bank or a small one, and you don't need tons of assets, a lot of banks its having your direct deposit with them is enough to qualify for some special relationship.

Online banks typically offer much more competitive financial products. I have some HYSA accounts at 4% APY, that’s not achievable with a CU or traditional bank.

The solution is the same solution as any financial risk: diversification. I have many accounts at many banks. If any one of them goes down, I’m fine. If multiple go down, I’m still fine in the interim.