Daryl would like to open new checking and savings account. one of his primary concerns is avoiding bank fees. which type of banking institutions is most suitable for daryl

A  credit union

Explanation:

A credit union is an association of people who join it voluntarily (becoming members) and make their financial movements through it, and no longer with traditional banks, so they can avoid bank fees. These members become the owners of the cooperative, along with hundreds or thousands of other people.

Credit unions are not for profit, which means that their prices are usually more affordable and competitive than traditional banks. In addition, each year, after the year is over, the cooperatives call their members to attend the general meeting, at which time the destination to be given for any remaining money is decided. Usually most of these leftovers are returned to the members, in proportion to the movement that each one made, valuing those who are most loyal and who perform their operations with the cooperative.