Their (Smile) online banking is "not bad for a financial institution", and if that sounds like damning with faint praise ...

Particular nits are: - pressing the browser 'back' button triggers an immediate logout - they don't use email for anything except to tell you they've sent you a "secure message" that you have to log in and read - no data export (though there are greasemonkey scripts)

Their customer service I've found to be fine unless you want anything usual, complicated, or to be done in a timely fashion. Much like any large company, really