I have been using online banking with a church credit union for the past five years and have never had a complaint.

I would say that in order of desireability, financial institutions would be

(1) Credit unions
(2) Money market funds
(3) Mutual Savings & loans
(4) small banks
(5) large chain "full service banks".

The large chains are so large that they really don't care about the customer, I have found.

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Semibodacious Transmogrifications a Specialty

1990 300D 2.5 Turbo sedan 171K (Rudolf)
1985 300D Turbo TD Wagon 219K (Remuda)

"Time flies like and arrow, yet fruit flies like a banana"
---Marx (Groucho)