Have 401k at old job and not sure my options

Dont use 401k to pay for "upgrades." It's one of the most expensive ways to access cash. You will pay income tax plus a 10% penalty on the withdrawal. I'd only consider it in a real emergency situation. Look at other options to get cash such as a home equity loan or just a signature loan.

You may just want to roll over to an IRA at a low cost brokerage unless you really prefer new employer's plan. Downside would be IRA would trigger pro rata rule if you ever want to do a backdoor Roth. Employer plans typically have higher fees and fewer investment options.

Transfer it to an IRA on Etrade, Schwab, TDA, Fidelity etc

Who should I go to for that a bank in town or just cold walk in to an office?

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Who should I go to for that a bank in town or just cold walk in to an office?

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I'd open an account on one of them and then go through the transfer process with your old 401k. It's been 10+ years since I've done this but I remember it being pretty easy. You can always contact the company your old 401k is with if you have any questions.

I wouldnt early withdraw the old 401k but look into the fees you're paying and those you'd pay at new 401k. You will likely save on fees by rolling it to an IRA (I'd use Fidelty, Vanguard, Schwab or another low cost provider for investments not a bank.). No point in waiting to recover in a higher fee platform when you can roll it over and pay zero account fees,keep it invested and let it recover in IRA. If you're in high expense ratio funds switch to a similar index fund with extremely low fees and let it recover and grow without drag of 401k account fees and high expense ratios.