[kjksf]

I'm excited about BankSimple.

Credit Unions have restrictions on who can become a member. Also, I used to be a member of a Credit Union bank through work and while their fees might have been lower, their web ui wasn't any better than, say, Wells Fargo's.

I also have ING Direct account because they have much better savings rates then Wells Fargo. However, again, their web ui leaves a lot to be desired.

If not anything else, currently a bank-like service can differentiate itself simply via a fast web site with a top-notch design. From the UI previews I've seen so far, BankSimple is doing the web UI much better than the banks I'm familiar with.