I have a cautionary tale...
I bought a new (used) car awhile back, paying by check. The next day, my husband got a call from our bank, because we didn't have enough funds to cover the check. By sheer luck, I had put some money in our savings, which I didn't normally use because of the poor interest rate, and they were easily able to transfer the money, so there were no bad consequences or hassle, not even having to go to the bank.
I'm generally a pretty organized person, but I'd been moving a lot of money around and forgot to write down a transfer, and so I thought I had enough in my account.
We've been with this local bank for, I dunno, decades. If we hadn't been, if my husband hasn't insisted we keep a local bank that valued our business, we might not have gotten that call and it could have resulted in much expense and hassle.
I'm still doing some churning -- currently waiting on a $400 from Citibank. But much more cautiously, and making money is no longer my only banking priority.