I'm trying to get a grip on them, and from what I've found so far, the banks offering them for my zip code are places I've never even heard of. ie, Cattle National Bank & Trust Company, which is in Nebraska. I'm in Indiana.
Btw, I'm using this site to search with, it could be shit for all I know.
http://www.hsainsider.com/
If you have one, do you have it through a bank that is local to you? And what kind of fees are the bank charging you for the account?