I switched years ago, and THAT bank provided shitty services and then became liberal as well. Online banking is not as convenient as you think, especially if you want to buy a boat, or a project car real quick and need lot of cash or a bankers check for example. They all suck. I also have some money in a previous employers credit union and it's the same thing...waiting days for a check to be shipped out. It sucks. someone point me to a bank that can provide access to ATMs and provide other in-person services at the drop of a hat and I'll gladly check them out.