[somecanuck]

My family uses a truly faceless bank -- President's Choice Financial. There are no physical offices for this bank other than the kiosks inside of Loblaw's grocery stores. If you need to pick up money order or something similar, you go to a CIBC.

However, I do not see the benefit of a credit union or community bank. My current bank offers:

  - No monthly or annual fee.
  - Online banking.
  - Free cheques.
  - Unlimited debit transactions.
  - Reward points for purchasing groceries with our debit card.
  - Instant availability of deposited cheques, up to several thousand dollars.

What does a credit union or community bank have to offer to me, considering that I have no need for a friendly personality or face to talk to? I am the type of guy who prefers the self-checkout lines.

(Sorry for the edits, poor formatting)