My credit union (in USA) is awesome. It offers all "other stuff" like checking accounts and atms. They are open "normal business hours" which doesnt matter to me since I live out of state anyway, theyre exceptionally fast at allowing me to withdraw, and are 100% online. I mostly interact with my credit union via my iPhone, and have no problems.

Yes, Im way out of range of my credit union's ATMs. No biggie, they pay me $20 a month to cover any ATM charges! In fact, just yesterday, I got a free $80 long term member award (its been more than a decade).

Basically my credit union kicks all kinds of *ss. If they ever grow huge and get pwned by big bankery, Ill likely change my mind.

Im totally down for the open source non profit bank though.