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We use what may well be the largest credit union in the world. (Name furnished by freep mail if you are interested.) This credit union gives us free checking and checks AND pays interest on both savings and checking. The minimum is only $5 in savings. Free national credit card, as long as it is paid off each month. 15 bills paid per month via Internet for under $5.00 (less than the postage to pay the bills via snail mail.) The credit union handles mortgages and home equity loans and car loans and money market certificates and CDs and all other bank-type services that I can think of except safety deposit boxes. So why use a bank?

That said, the credit union allows only 6 on-line transfers out of any one savings account per month. Why? I don't know. However, this is no problem because ATM and in-person access are unlimited as are pre-established payments for car loans, mortgage payments, transfers to our separate personal checking accounts, etc.