FirstBank works relatively well for my needs. They also have branches in Fl i believe. Not sure if First has a branch on Stx.
The problem with Etrade or Chwab account is that if you need cash to purchase a car you will not be able to get it out of ATM.
Overal banking is more difficult here then on mainland. Seems most users here do not trust the banking esthablisment, don't use direct deposit, electronic banking. Rudimentary business is done in person (check deposit, get $60 cash, pay wapa bill). ATMs are often out of cash or out of service.
It took 3 hours of my time to open checking account and at the end I was asked to type in all my info into banks computer database. I thought I would have to order pizza to the branch.